Dated: November 16 2023

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Here's a simplified step-by-step guide to buying a home:

  1. Find a Realtor:

    • It's never too early to get me involved. Even in the planning stages I can bring in a wealth of information that helps you navigate the process with ease. If you're searching for a new home in Johnson City TN or the surrounding areas, don't hesitate to reach out to me at 423-594-8075. Together, we can tackle and make a plan on how to make your homeownership dream come true.
  2. Next few things to tackle:
  • Check Your Finances:

      • Review your income, expenses, and savings to understand your budget.

    Know Your Credit Score:

  •         Check your credit score and work on improving it if needed.
  • Set a Budget:

    •    Determine how much you can afford for a home, considering your monthly     expenses.
  • Save for Down Payment:

    •    Save for a down payment and be aware of additional costs like closing fees.
  • Get Pre-Approved for a Mortgage:

    •    Contact a bank or mortgage lender to get pre-approved for a home loan.
  • Learn About Loan Options:

    •   Understand different types of mortgages and choose one that suits your     needs.
  • Research Neighborhoods:

    • Explore neighborhoods where you'd like to buy, considering amenities and schools.
  • Start House Hunting:

    • With your realtor, begin searching for homes within your budget and preferred locations.
  • Make an Offer:

    • When you find a suitable home, work with your realtor to make an offer.

Remember, getting your finances in order, understanding your budget, and securing pre-approval are essential initial steps in the homebuying journey.

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Ramona Morrison

 As a dedicated member of the National Association of Realtors and the Northeast TN Association of Realtors, and a proud graduate of the 2019 Tennessee Realtors AREA Leadership program, I bring a....

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