Buy Home Twin Falls 1

How to Buy a Home and Real Estate

Whether you are looking for your first home, your last, or something in between, these 7 buyer resources will help you along your way! 

Buy a Home in Twin Falls Idaho 2

Clean up your credit score

1. Your credit score will be reviewed by lenders, and it plays an important role in determining how much house you can buy. If you know you won’t be moving into a new house for at least six to eight months, you have plenty of time to do some legwork to clean up your credit. Order your free credit report from Equifax, TransUnion or Experian, and make sure it is free of any mistakes. If you do find an error, contact creditors to make sure everything is up-to-date, and have them send corrections to the credit bureaus as soon as possible.

Real Estate Buyer Specialists
You Can Trust

Ricki Lezamiz
Ricki
Lezamiz
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What's a Buyer Specialist?

A Buyer Specialist, sometimes called a Buyer’s Agent, represents the person buying a piece of real estate. Pretty simple, right?  Now, depending on their area of expertise, a buyer specialist could have additional certifications. But bottom line, they help you find and purchase the right home.

Why Buyers Choose Us?

We are one of the Top 100 Sales teams in the Nation according to Realtor Magazine. We have the expertise to find you a home. We’re here when you need us. Feel free to call, come into the office or email us and we’ll ensure a quick response time.

Buy a Home in Twin Falls Idaho do not use credit

Kick the credit card habit

2. Another step to cleaning up your credit history? Make sure you aren’t buried under credit card debt. Take steps to stop credit card spending, and consider using a balance-transfer credit card to reduce your debt load faster. Improving your credit will give your credit score a boost, and that will make you more attractive to lenders. A bonus? Kicking the credit card habit can help you get a handle on your finances so making mortgage payments isn’t overwhelming.

Buy a Home in Twin Falls Idaho Check Your Credit History

Why Buyers Choose Us?

Unlike some real estate companies, we do not require buyers to sign any contracts to show you homes. We’ll help get you qualified for a loan. We’ll only show you homes in your price range, and that have features that intrest you. We have a large inventory of homes to choose from, as well as access to all homes on the market in the Magic Valley.

Buy a Home in Twin Falls Budget

Budget monthly payments

3. If credit card and loan payments make up a big percentage of your monthly payments, you may reduce your chances of getting an attractive mortgage loan offer. Taking steps to lower monthly payments can put you in a better financial position for a mortgage and also reduce some of the stress of making that mortgage payment each month. Finally, stick to that budget until after your closing.

Real Estate Buyer Specialists
You Can Trust

Ricki Lezamiz
Krystal
Warburton
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Why Should You Have a Buyer Specialist?

A Buyer Specialist is your trusted guide to the home-buying process—start to finish. They may even be able to help you find the right house before it hits the market, giving you a competitive edge. And when it’s time to make an offer, your agent will negotiate on your behalf so you don’t pay a cent more than you need to.

Buy a Home in Twin Falls Idaho Wants and Needs of Your Home

Define exactly what you want

4. Your home is one of the biggest purchases you will ever make, and you need to have a clear idea of exactly what you are looking for before you begin the search. While you should get preapproved early in the process, don’t wait for the preapproval offer to narrow down the search. You need to determine what the non-negotiables are for your future home and what you are willing to compromise on. Take the time to list what features, floor plans and style of home you are most interested in; what type of neighborhood you want to live in; and other key details. A comprehensive list of wants and must-haves can make it easier to shop for a home and compare different properties during the search. Look at available homes here

Real Estate Buyer Specialists
You Can Trust

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How To Find A Buyer Specialist?

To find a great Buyer Specialist, you need to look  no further than right here, at Lezamiz Real Estate.  However, here are some general guidelines for finding the right Buyer Specialist for you:

Use a referral.  Talk to friends and family about their buying experience. Do thorough research online for top agents in your area or where you plan to move. Visit open houses to meet potential agents in person. If you’re thinking you’d feel more comfortable working with a friend or relative who has their real estate license, keep in mind that it could actually create some uncomfortable problems with a lot of personal details you might want kept private.

Why Buyers Choose Us?

We’ll help you negotiate so that the final contract includes your best possible terms and conditions. We’ll help you coordinate and negotiate your home inspection. Once you have and accepted offer on a home, we’ll track the progress until the home closes and keep you informed every step of the way.

Buy a home in Twin Falls Idaho Prequalify versus preapprove

Get pre-approved /pre-qualified

5. It’s exciting to start the home buying process by visiting open houses, but it’s a good idea to have a preapproval letter in your pocket before you set foot in your dream home. Your preapproval letter will tell you how much you can really afford and make it easier to narrow down your search. Having that preapproval letter will also give you some negotiating power when you start working with sellers – you’ll have a greater chance of having an offer accepted when you have a letter stating that you are in a financial position to buy the home.

Unlike prequalificationpreapproval is a more specific estimate of what you could borrow from your lender and requires documents such as your W2, recent pay stubs, bank statements and tax returns. The lender will then use these documents to determine exactly how much you can be preapproved to borrow.

Buy a Home in Twin Falls Idaho The Big Red Truck
Buy a Home in Twin Falls Idaho Save Your money

Commit to a savings plan

6. When you start thinking about moving, take the time to reorganize your budget and put together a savings plan for the down payment, closing costs and moving costs. Putting yourself in a position to make a larger down payment can save you money on mortgage payments in the long run and make you more attractive to the lender. Also, if you’re a first-time homebuyer, don’t overlook down payment assistance programs, if they exist in your area.

Real Estate Buyer Specialists
You Can Trust

Ricki Lezamiz
April
Swisher
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What Does A Buyer Specialist Do?

A great Buyer Specialist will use their extensive knowledge of the area they serve to take the lead on your house hunt. Then, when you find “the one,” they’ll walk you through the hefty paperwork that comes with making an offer and negotiating repairs, as well as act as your liaison and guide to a smooth closing.

 

Why Buyers Choose Us?

We have several moving trucks and boxes available to help you in your move. We’ll throw you a house warming party once you’re all moved in and settled. Our relationship doesn’t end at closing. You will become our Client for Life with a life time of benefits. Optional services available.

Buy a Home in Twin Falls Idaho set a budget

Set your budget parameters

7. Don’t cut your budget so close, a penny saved is a penny earned.  Being under budget is better than over. Even though you may be preapproved for a certain amount, there’s no rule that says you can’t set your own budget that’s less than your preapproval amount. Doing so can give you more confidence with your finances and may free up more money for discretionary expenses. Whether you want to have more money to travel or prefer to live with a higher disposable income, adjust your budget limits to suit your lifestyle.

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How Does A Buyer Specialist Get Paid?

In most cases, the seller pays the Buyer Specialist’s fees—meaning using a Buyer Specialist is FREE to you.

 

Buy a Home in Twin Falls Idaho The Open House

How to Buy Page

Ready to Buy?

We can set up a custom search for you, to help you find exactly the home you want.