Are you considering purchasing your first home in the Langley, White Rock and Surrey area?  Here are some tips from local real estate expert, Andrew Szalontai of Remax Treeland Realty to get you started on the right path toward home ownership.

The first step any first time homeowner should take before looking for real estate in Langley, White Rock and Surrey is to attend a home buying seminar.  Experts such as real estate professionals, mortgage lending companies, and even home inspectors offer free seminars.  These no obligation seminars offer useful information that can potentially save you thousands of dollars.

The next step to take prior to buying a home in the Langley, White Rock and Surrey area is to know your credit score.  This step should be taken early in the process.  Some experts suggest checking your credit score as early as six months prior to buying your first home.  The reason for this is because your credit score can determine the type of financing you will be eligible for.  If there is a blemish on your credit report you will have time to correct the problem and build up your credit score prior to applying for a mortgage loan.  Know your debt-to-income ratio.  This ratio can affect your eligibility to obtain a mortgage as well as the type of financing to secure.

Choose a professional real estate agent.  Buying a home is the largest investment most people make during their life.  Professional real estate agents are knowledgeable with the home buying process from start to finish.  For more information on all that a real estate agent offers go to www.YourPerfectHome.ca.

Get pre-qualified for a loan.  There are two benefits for becoming pre-qualified.  The first allows you, the home buyer, to know what price range of homes to look at.  The second gives you more weight with the seller when putting in a purchase offer.  Sellers tend to choose an offer with a pre-qualified buyer over an offer from a buyer without pre-qualified financing already lined up.

With all of these steps in place, you are now ready to go out and find your first home.

More information is available free to you about buying, selling or investing in Langley, White Rock and Surrey real estate. For complete information about the Langley, White Rock and Surrey real estate market including current homes for sale, property values and more please visit the most complete website online dedicated to everything Langley, White Rock and Surrey real estate at www.YourPerfectHome.ca. Please feel free to contact me with any of your real estate or mortgage related questions and I will be more than glad to answer your questions. Call me on my cell at 778.862.5542 or email me at andrew@yourperfecthome.ca.