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21st Century Style of Real Estate

Determine Your Housing Needs.

How long do you intend to live in your new home? Will you be starting or adding to your family? Do you have any special requirements such as proximity to stores, public transportation, recreation facilities, etc.? These are the sort of things you should consider when deciding what kind of housing you will need--not just now, but also five years from now. Remember, if you intend on moving again relatively soon, you should get a shorter term when choosing your mortgage.

Get everything in writing.

This is especially important during any kind of contract negotiation. Verbal commitments are hard to prove after the fact, so make sure that all the small details are added to the purchase contract. If the seller says you can have the curtains, make sure the contract says so!

Always get an inspection.

Any purchase offer you make should be contingent upon your approval of a qualified home inspector's report, even when buying a new or almost new home. Friends, family, or your Realtor may be able to refer you to a good inspector, or you can contact the Better Business Bureau for a list. Even if your lender does not require it, you may want to consider conducting a full land survey--property line disputes could potentially cost you thousands down the road, and are typically not covered by title insurance.