Interest rates are very low.  All you need is a pre-qualification letter from a mortgage lender to get started.  With an FHA mortgage you can pay as little as 3.5% down and seller concessions are allowable up to 6% of the purchase price to help with closing costs. There are plenty of homes to choose from.  Call me at 415-3096 with any questions.  This is an ideal time to buy your first or next home.

Determine what you want in a home and prioritize.  What style of home do you want?  How much space do you need or will you need in the next five years?  What kind of neighborhood do you want to live in?  Is it important to  be close to schools and playgrounds?  Is it important to be near public transportation?  Do you want a quiet neighborhood away from traffic or do you want to be in the thick of things close to shopping and activities? 

What are your needs for the house itself?  How many bedrooms and baths are comfortable for your family?  Do you want a large kitchen?  Do you want an enclosed yard, maybe with a pool?  How about a large family room?  Maybe it is important to have everything on one level.  Prioritize your wants and separate "must haves" from the less vital. 

This prioritization process is important because when viewing houses you might be struck by a particular feature like a charming fireplace or a view from the deck and respond to an impulse to buy, forgetting about more important features. A list of priorities helps to keep perspective.  Prioritizing also helps you to compromise without giving up the essentials.  No house is perfect, but if you have thought through what is most important you can overlook superficial flaws that can be remedied.

To search properties in Central New York click on "Property Search" :  www.kirnan.com