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!

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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:

This pristine ranch home sits on a large lot in an elegant neighborhood. It has many features that will please the pickiest buyers, including a large kitchen with abundance of storage, a master bedroom on the main floor, an enclosed porch, and a large private lot. Upstairs, you will find two large bedrooms, and an enormous bonus room that could be a great play room, or exercise room, or just about anything! The finished basement is great additional living space. Two additional rooms in the basement could easily be made into 4th and 5th bedrooms simply by installing larger windows. Outside, the kids and grandkids will love the basketball court and large private yard. The shed provides additional outside storage. This one is definitely worth seeing! $279,900 Active

3237 Dogwood Drive Jasper, Indiana

3 Beds 4 Baths 4,326 SqFt 0.675 Acres

Listing courtesy of Steve Lukemeyer from FC TUCKER EMGE REALTORS.

Move-in ready and on a cul-de-sac street is this 3 bedroom, 2 1/2 bath home with 2,366 sq.ft. This home has so many updates inside and out, from the flooring, lighting, and exterior patios. As you enter the home you will notice the large living room which flows into the dining and kitchen areas. The kitchen has been upgraded with painted cabinetry, stainless appliances, and tiled backsplash. A main floor master features its own en-suite bathroom along with a large walk-in closet. Upstairs you will see two nice sized bedrooms with very spacious closets. Both bedrooms share an updated full bath. This home has an attached 2 car garage with extra room for a small work shop or for more storage. Out back, you will enjoy the extra large concrete patio, newly screened in porch and lush landscaping. $269,000 Active

342 Cottonwood Lane Jasper, Indiana

3 Beds 3 Baths 2,366 SqFt 0.237 Acres

Listing courtesy of Brett Knies from RE/MAX Local.

You don't want to miss out on this 3 bedroom, 1 1/2 bath home in Ferdinand! As you enter the front door from its shaded front yard, your eyes will be drawn to the beautiful fireplace in the spacious living room. Off the living room, you will notice the wooden floors in the cozy dining room and kitchen. Bedrooms 1 and 2, along with a full bathroom, complete the main level. As you head upstairs, you will enter the 3rd bedroom with a half bath attached. Be sure to check out all the storage in that room! The basement is a full, spacious, unfinished basement that allows you to make it into your own space. As you step out to the back yard, you will find a nice sized backyard for family fun and entertaining! $135,000 Active

130 Michigan Street Ferdinand, Indiana

3 Beds 2 Baths 2,304 SqFt 0.279 Acres

Listing courtesy of Amy Hawkins from FC TUCKER EMGE REALTORS.