How to Prepare Now For the Livermore Valley Home-Buying Process In 2014

laptop_work_browsingThe year is quickly coming to a close, with the holidays arriving next week and the New Year beginning the week after! Chances are you are going to cozy up with friends and family and celebrate this festive season. But come 2014, it’ll be a great time to buy a Livermore Valley home!

As your Livermore Valley real estate agent, I want to share how you can prepare for the home-buying process next year. There are plenty of steps you could take right now to ensure a smooth home purchase next year. Here’s a few:

  • Save up for a down payment. Rather than spend every last penny on holiday gifts, cut back this year. Do a grab bag or a secret Santa, where each person only buys for one other person. Or, decide that your gift this year will be buying a Livermore Valley home! That’ll be a great incentive to eat at home more often, brew your own coffee, watch old movies, take walks and find free events around Livermore Valley. The more money you save to put down on a house, the better mortgage rate you’ll receive!
  • Improve your credit score. Your credit score is the other half of the puzzle in receiving a mortgage loan. The higher your score, the better your chances are at getting accepted for a mortgage. Order a credit report now and check it for errors. If there are any, work toward fixing them. Pay down your credit card debt. Use the cards minimally and try to pay them off each month. Don’t open new cards or close existing cards. Don’t make any large purchases before buying your Livermore Valley home, and stay put in your current job.
  • Research the Livermore Valley real estate market. Now is a great time to see what homes are listing for and selling for in Livermore Valley, and how fast. This will give a good indication of how many Livermore Valley homebuyers are out shopping and what type of deals they’re getting. Because inventory is lower than usual, you have fewer options. However, this time of year, most Livermore Valley home sellers are looking for a quick sale, so you might have some negotiating power! It’s good to have an idea of what type of offers you’ll need to make ahead of time, so you’ll be prepared.
  • Find real estate professionals to work with. You’ll need a mortgage lender and you’ll need a real estate agent. I’ve got you covered on the agent end! As a Livermore Valley real estate agent, I have years of experience working here in Pleasanton, Livermore and Dublin. I can fill you in on the current state of the market and housing changes for the new year, and I can help you find homes in your price range and with the features you desire. I can point you in the right direction for other professionals that you’ll need to work with, too.

Contact me if you have any questions or when you’r ready to buy a Livermore Valley home. Have a wonderful holiday!

John Kurtzer
Your Livermore Real Estate Expert
RE/MAX Accord

Livermore Real Estate
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