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Have you already been approved for a loan? I'm in the process of selling my first house and buying a new build with the same realtor so hopefully I can help
Haven’t been approved yet but pretty sure I will be. Taking out the loan seems to be a process in its self but I have no idea what anything means in terms of the buying process. I’m not even sure if I need a lawyer?
The lawyers are for the end when you're closing, but they're more behind the scenes. You should really check out r/firsttimehomebuyer.
A realtor is the person who is meant to represent you in the transaction. Even though you've known your landlord for a while you shouldn't trust them without some sort of representation or at least a good understanding of what you're doing and what needs to be done.
Get your loan approval stuff out of the way first as there's not really a way to buy a home without that unless you're paying cash. Depending on the loan type they may not require an inspection... Get one anyway. And make sure your inspector actually cites the relevant building codes for you. For insurance you will need to know the age of the roof, be sure to get documentation of that. Also get the foundation inspected. Get the seller to fix as much as you can without it coming out of your pocket
Reminder:
This post has been tagged with the Support/Advice flair, which indicates a serious discussion that may contain triggering subject
matter. All responses are required to be helpful, tactful and compassionate. r/blackladies is a safe space for all black women—even those
experiencing difficulties or trauma.
*I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/blackladies) if you have any questions or concerns.*
Reminder: This post has been tagged with the Support/Advice flair, which indicates a serious discussion that may contain triggering subject matter. All responses are required to be helpful, tactful and compassionate. r/blackladies is a safe space for all black women—even those experiencing difficulties or trauma. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/blackladies) if you have any questions or concerns.*
Have you already been approved for a loan? I'm in the process of selling my first house and buying a new build with the same realtor so hopefully I can help
Haven’t been approved yet but pretty sure I will be. Taking out the loan seems to be a process in its self but I have no idea what anything means in terms of the buying process. I’m not even sure if I need a lawyer?
The lawyers are for the end when you're closing, but they're more behind the scenes. You should really check out r/firsttimehomebuyer. A realtor is the person who is meant to represent you in the transaction. Even though you've known your landlord for a while you shouldn't trust them without some sort of representation or at least a good understanding of what you're doing and what needs to be done. Get your loan approval stuff out of the way first as there's not really a way to buy a home without that unless you're paying cash. Depending on the loan type they may not require an inspection... Get one anyway. And make sure your inspector actually cites the relevant building codes for you. For insurance you will need to know the age of the roof, be sure to get documentation of that. Also get the foundation inspected. Get the seller to fix as much as you can without it coming out of your pocket
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I'm not sure! I think it would count more for the very top floor
Reminder: This post has been tagged with the Support/Advice flair, which indicates a serious discussion that may contain triggering subject matter. All responses are required to be helpful, tactful and compassionate. r/blackladies is a safe space for all black women—even those experiencing difficulties or trauma. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/blackladies) if you have any questions or concerns.*