32 Insider Tips for Buying and Selling a House
32 Insider Tips for Buying and Selling a House
These insider tips can make buying or selling a home easier.
By Beth Rifkin Oct 1, 2021 Real Estate Investing 101
Whether you’re buying or selling a home, dealing in real estate can be a nerve-wracking experience, especially for a novice or first-timer. Fortunately, getting the right information can help make the process more manageable. Find out how you can buy and sell a house like a pro.
Tips for Buying a Home
When buying a home, whether to live in or as an investment property, it’s crucial to understand financing options, how to apply for a mortgage and the various expenses involved.
It can be easy to get carried away when buying a home, so make sure the property is one that you will be able to afford, maintain and grow with over the years ahead.
1. Save For a Down Payment
The typical down payment is 20% of the sale price of the home. You might be able to get away with putting down less than that, but then your mortgage lender can require you to purchase private mortgage insurance. The insurance protects the lender in case you default on the loan.
That’s not a horrible thing, but it will increase your monthly payments by 0.5% to 1%. So it might make more sense to take some time and save more money for a down payment.
2. Check Your Credit
The better your credit score, the lower your mortgage interest rate will be. A score above 720 is ideal for purchasing a home.
Multiple factors are considered when calculating your score, such as if you pay your bills on time, the amount of your debt, length of credit history and types of credit; lenders prefer that you have a variety of credit sources. Check your credit quarterly and fix any mistakes that appear on your report.
3. Avoid Making Any Other Big Purchases
Every time you apply for a new form of credit, such as a credit card, a hard inquiry is run on your account, which can cause your credit score to take a slight dip. Therefore, avoid applying for or opening any new credit forms until after you have purchased your home.
4. Remember Closing Costs
Purchasing a home requires some mortgage-related expenses that might not be obvious at first — this includes closing costs.
Closing costs can include homeowners insurance, appraisals and home inspections, and cost about 2% to 5% of your mortgage. So, closing costs for a $300,000 mortgage, for example, can run anywhere from $6,000 to $15,000. Remember to plan for closing costs when calculating your budget.
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Monday Coffee with MarkZ. 09/28/2026
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