5 things to do now if you want(finished)

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Page 1: 5 things to do now if you want(finished)

5 Things To Do NOW If You Want to Buy A Home Next Year

Page 2: 5 things to do now if you want(finished)

At a point in December, it can start to feel like the New Year, It’s very helpful to get a head start, ramping-up to new habits, behaviors and target goals achievements starting in December.

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1. Check your credit. Take my word for it: there is no bad surprise worse than a bad credit surprise. Okay, maybe there is one thing worse a credit surprise you receive while you’re in the midst of trying to buy a home!

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2.Do your research. The more rapidly the real estate market changes, the more it behooves smart buyers to study up before they jump in

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3. Fluff up your cash cushion. So, you’ve saved up your 5 percent down payment. Perhaps you saved a little extra for closing costs. Or maybe you’re even one of those uber-aggressive 20-percent-down-ers. No matter how much you’ve saved, you’ll find that you could use more once you activate your home buying action plan. Mark my words – after closing, you’ll crave extra cash to do some repairs, upgrade a couple of things, buy appliances or even just to hold onto in order to minimize your anxiety about depleting your savings!

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4.Shed some stuff. Sell it. Donate it. Give it to relatives who’ve always coveted it. Just get rid of it. If you do it before year’s end, you can kill three birds with one stone: (a) getting some cold hard cash to go toward your savings, (b) getting some tax receipts so you can deduct the value of your donations in January, (c) minimizing money spent on holiday gifts for loved ones and these two bonus birds clearing the mental clutter that physical clutter creates and prepping for your move in advance.

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5. Sit very, very still. Sometimes, the best way to further our goals is to stop tripping ourselves up. In that vein, commit right now to refrain from making any major financial moves until you buy your home. Don’t quit your job to start that personal chef business (yet), don’t pull a bunch of cash out of your savings account (without getting clearance form your mortgage pro first), and don’t start buying cars and boats on credit – even if you do love the idea of putting the red bow on the car you give your wife, like in the commercials.

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What do you recommend as a goal to help a buyer prepare to buy a home?

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Randy BettInvestment Realtor/Author/Investor

Real Estate Professionals Inc.Better Group Real Estate 202-5403 Crowchild Trail NWCalgary, AB T3B 4Z1

Phone:403-774-7464 Ext:1Fax:403-208-0082Toll Free fax:888-711-6801

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Randy Bett www.BetterGroupRealEstate.ca