If you are a first time home buyer and you are looking forward to getting the best deal on a house, there are things you will need to consider before you go ahead with the decision. The following are some of the things you will need to consider. For more information kindly visit us at http://lajollasandiegohomes.com/

1. First Time Home Buyers - How
to Get the Best Deal on a
House
Brought to you by www.LaJollaSanDiegoHomes.com

2. First Time Home Buyers - How to Get
the Best Deal on a House
If you are a first time home buyer and you are looking
forward to getting the best deal on a house, there are
things you will need to consider before you go ahead with
the decision.
The following are some of the things you will need to
consider.
The first thing you will need to do is to check the selling
prices of other homes in the area where you want to
purchase the house.

3. First Time Home Buyers - How to Get
the Best Deal on a House
To make the task easier, you can do a quick search on
multiple listing services for houses in that area or check the
house listings on several websites, and also the National
Association of Realtors.
It will also be a wise step to use a bank rate's mortgage
calculator to get a glimpse of the mortgage payments you
will be making each month in case you will buy that house.
You will need to figure out what the total housing will be
per month.

4. First Time Home Buyers - How to Get
the Best Deal on a House
This should be inclusive of the taxes as well as the insurance
of the homeowner.
In some cases, the payments for taxes and insurance can
be twice as much as the mortgage payment.
To get an idea of what the tax payments will be, you can
just look through the website of the local appraisers.

5. First Time Home Buyers - How to Get
the Best Deal on a House
You should be aware of exemptions as well as local tax
law intricacies that can cause differences between the
amount the homeowner is paying currently and what you
will be paying if you acquire that home.
To get an estimate of the insurance just inquire from the
local insurance agents.
Another important factor to consider if you are a first time
homeowner is your budget.

6. First Time Home Buyers - How to Get
the Best Deal on a House
The house you intend to purchase has to be within your
budget.
It is recommended that a home buyer spends not more
than 28% of their salary on the housing costs.
Going beyond that puts you at a risk of becoming house
poor.
Also make sure that you talk to competent realtors in that
area to determine the real estate situation.

7. First Time Home Buyers - How to Get
the Best Deal on a House
You will for instance need to find out if the price is going
down, the reason why that is so and if there is a likelihood
that at some point the price of houses may start going up.
If there are fluctuations over house prices in that area you
need to find a reason to that.
The security of the place you want to purchase the house
as well as that of its neighborhood is also of a matter of
utmost importance.

8. First Time Home Buyers - How to Get
the Best Deal on a House
Check with the police department to confirm if there have
been any criminal cases reported in that area, what kind
of cases they were and how frequently they occur.
You do not want to risk buying house in a place where
there has been reported frequent cases of theft, robbery
with violence, rape just to mention a few.
You should be confident enough that the security of that
place can allow you to live a peaceful life.

9. First Time Home Buyers - How to Get
the Best Deal on a House
Jaz Cook is an expert Realtor in La Jolla San Diego CA, if
you are looking For Sale In La Jolla San Diego Homes don't
hesitate to contact me today!

10. First Time Home Buyers - How
to Get the Best Deal on a
House
Brought to you by www.LaJollaSanDiegoHomes.com