Prepare For Home Buying In Far In Advance For Lower Payments

It is advantageous to any homebuyer to plan in advance. Taking the time to prepare for the purchase of a home is especially important because it gives homebuyers the chance to check out and repair any issues in their credit score. Before even looking at home options, all homebuyers should know their credit score rating. Just because many lenders will lend to people with poor or average credit doesn’t mean a homebuyer wouldn’t benefit from raising their credit score. See, when lenders take a chance on people with lower credit, it comes at a cost. The cost is a higher interest rate, which results in a higher monthly mortgage payment. The higher your score is, the better options you will have.

You are entitled to one free credit report each year from the following agencies: Experian, Equifax, and TransUnion. If you space your free credit reports out, you can actually get a free credit report every four months. Here’s what I mean: In January, get a free credit report from Experian. In May, get a free credit report from Equivax. In September, get a free credit report from TransUnion. That way, you can keep an eye on your improvements every so often throughout the year. Knowing what your score is and what activities are affecting your credit score is the first step to making improvements. Once you have decided to purchase a house, you can check in on your credit report. If any errors come up, it’s much easier to handle them in advance, than after you have put an offer on a home.

Preparing in advance also gives you more time to add money into a bank account that you have designated just for your downpayment and/or closing costs. Remember, the more you can pay on a down payment, the more options you will have as far as mortgages.

Are You Thinking of Buying a Home in Dubois County?

Use our site to search homes for sale in Jasper, Dubois, Spencer, Martin and Davis counties and all of our surrounding areas. Unlike the “big name” sites out there, at Sell 4 Free Welsh Realty our site is directly connected to our local MLS and is updated with new homes every hour. By signing up for New Listing alerts you can stay on top of the newest homes for sale and get price change alerts so you can stay ahead of other buyers and beat them to the hottest deals!

Start your Home Search now

Popular Jasper Indiana Home Searches:

Newest Homes for Sale in Dubois County

View the newest homes listed in Dubois County in the last 10 days:

Walking into this home nestled on a .51 acre corner lot, you will notice the open floor plan that flows from room to room with laminate flooring. Walking through the spacious living room, you enter the dining area that leads you to either the wide open kitchen or the cozy family room with a fireplace. Off the kitchen is a patio with a hot tub that overlooks the backyard. The laundry room equipped with a washer and dryer, is easy convenience as you come in from the garage. The master bedroom has a master bath with garden tub and shower that also has access to the large walk-in master closet. The other two bedrooms have nice walk-in closets as well, and the 3rd bedroom has access to the main bathroom. In the basement, you will find a room that could be used as an office or den, with the rest of the living area an open canvas for you to do with as you wish. The basement also has a half bath. Most rooms on the main level have ceiling fans. $139,900 Active

502 W Mary Street Holland, Indiana

3 Beds 3 Baths 1,984 SqFt 0.510 Acres

Listing courtesy of Amy Hawkins from F.C. TUCKER EMGE.

3 Bedroom 2 Bathroom Home on 1 Acre off of Division Road in Jasper, IN. This House has a brand new metal roof, some updates throughout, detached 28x28 2 Car Garage, and a large back deck for entertaining. This house just needs some finishing touches and will be a great homestead! The house is being sold as-is and is priced to sell. $175,000 Active

5362 W Division Rd. Jasper, Indiana

3 Beds 2 Baths 1,560 SqFt 1 Acres

Listing courtesy of Larry Carpenter III from Carpenter Realty LLC.

LOCATED IN THE GRASSLAND HILLS SUBDIVISION IS THIS 4044 SQ. FT. HOME ON A 1.39 ACRE CORNER LOT. THIS HOME HAS IT ALL. FEATURES INCLUDE 5 BEDROOMS, 3 FULL BATHROOMS, AND A DREAM KITCHEN WITH AN ABUNDANCE OF CABINETS, DESK AREA, WINDOW SEAT, LARGE STORAGE AREA, PANTRY AREA, EAT-IN-BAR AREA, AND SEVERAL WORK AND COUNTERTOP AREAS. BEAUTIFUL CERAMIC TILE GRACE THE FLOOR OF THIS UNBELIEVABLE KITCHEN AND ALSO IN THE DINING AREA, HALLWAY AND BATH. THE LIVING ROOM IS ENORMOUS WITH ITS HUGE STONE FIREPLACE AND HIGH CEILINGS. THE SPACIOUS MASTER BEDROOM HAS ITS OWN PRIVATE BATH. THE ADDITIONAL OFFICE IN THE LOWER LEVEL IS SURROUNDED BY WINDOWS ON 2 SIDES OF THE ROOM TO LET IN LOTS OF WONDERFUL LIGHT ALONG WITH BEAUTIFUL BUILT IN DISPLAY OR STORAGE CABINETS ON 2 WALLS OF THE ROOM. A LARGE FAMILY ROOM WITH A BRICK FIREPLACE IS ALSO LOCATED IN THE LOWER LEVEL ALSO FEATURING MORE WINDOWS. THIS HOME ALSO HAS A 3 CAR GARAGE WHICH IS CONNECTED TO THE HOUSE WITH A COVERED WALKWAY. $379,000 Active

1091 W 36th Street Jasper, Indiana

5 Beds 3 Baths 4,014 SqFt 1.300 Acres

Listing courtesy of Steve Wigand from ERA FIRST ADVANTAGE REALTY, INC.

Privacy Settings