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:

Discover this beautifully maintained 3-bedroom, 2-bath home on Jasper's North side. Upon entering the front door, you'll be greeted by a spacious living room with a vaulted ceiling and a charming corner gas log fireplace. This custom floor plan also includes a separate den/sitting area that's open to the kitchen and dining area. The kitchen comes fully equipped with beautiful dark appliances. The impressive master bedroom boasts two large closets, while the master bath offers a jetted garden tub, separate shower, and dual sinks. Two additional bedrooms and a laundry room complete the interior of the home. Plenty of space for 2 cars in the attached garage. Step outside to enjoy the screened patio and the fully fenced backyard featuring a firepit that is perfect for entertaining and relaxing evenings. $250,000 Active

4630 Bern Strasse Jasper, Indiana

3 Beds 2 Baths 1,552 SqFt 0.24 Acres

Listing courtesy of Opal Sermersheim from SELL4FREE-WELSH REALTY CORPORATION.

This adorable cozy home is updated and move in ready!  This home features a new kitchen, three bedrooms, one bathroom, new laundry/mud room, and a one car garage.  The spacious backyard is ready for your enjoyment. This home includes the kitchen appliances and the washer and dryer.  The roof is 4 years old. This convenient location is close to restaurants and shopping. $155,000 Pending

801 Giesler Road Jasper, Indiana

3 Beds 1 Baths 912 SqFt 0.22 Acres

Listing courtesy of StaceyHurst from RE/MAX REVOLUTION.

Welcome to your perfect dream home! This exceptional 2016-built residence seamlessly combines modern design with functionality. Nestled in the sought-after Brookstone Estates neighborhood, this charming craftsman-style home features 4 bedrooms, 2 bathrooms, and an array of desirable amenities. The open, single-story split floor plan offers generous space for both relaxation and entertaining. The  kitchen showcases sleek countertops, stainless steel appliances, and ample cabinet storage. Just off the kitchen, the dining area is ideal for both cozy dinners and large gatherings. Unwind in the luxurious master suite, which boasts plenty of closet space and a private en-suite bathroom with double vanities and a glass step-in shower. Three additional bedrooms and a full bathroom are located off the hallway leading from the living room. Outdoors, the beautifully manicured lawn and landscaping provide a serene setting for outdoor enjoyment. Enjoy peaceful mornings and relaxing evenings on the private back patio. Recently planted fruit and nut trees in the backyard promise plentiful harvests in the years ahead. A detached 24' by 17' garage offers ample storage and workshop possibilities. $379,900 Pending

4783 W Pebble Drive Jasper, Indiana

4 Beds 2 Baths 1,707 SqFt 0.6 Acres

Listing courtesy of Bryce Lain from SELL4FREE-WELSH REALTY CORPORATION.