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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Newest Homes for Sale in Dubois County

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

Welcome to this beautiful craftsman style two story home in Hunters Crossing in Huntingburg! You're greeted by amazing curb appeal and a covered front porch, and you enter the home into a spacious entry way. The main living space is completely open concept and perfect for entertaining! The light & bright living room features two large windows, and gorgeous laminate plank flooring runs throughout the entire main floor. The kitchen has an island, stainless steel appliances, and plenty of cabinet storage. On the main floor, you'll also find a half bath and a large laundry room. The primary bedroom features a private en-suite bathroom with double vanity and shower. There are two additional bedrooms, along with a bonus room that could be a 4th bedroom. You'll also love the large back yard! $290,000 Active

221 W Stellar Way Huntingburg, Indiana

4 Beds 3 Baths 2,152 SqFt 0.170 Acres

Listing courtesy of Trae Dauby from Dauby Real Estate.

A 3 bedroom 2 full bath brick home that sits on .49 acres in Jasper's Wind Song Estates. This home has a two car attached garage and a single detached garage that could be used for storage or a work shop. Beautiful columns are a focal point in the living room and kitchen area has an eat at peninsula bar and stainless steel appliances. This is a great location to the schools and very close to the new restaurants. $274,900 Active

1443 Dexter Court Jasper, Indiana

3 Beds 2 Baths 1,365 SqFt 0.490 Acres

Listing courtesy of Adam Boyd from BOYD REALTY & DEVELOPMENT LLC.

Country living with large lot in a cul-de-sac in Ireland area. A beautiful neighorhood, not far from schools, shops, and restaurants. This all brick home features 3780 finished square feet, 5-6 bedrooms with 3 full and 1 half baths. Inside this home you find a kitchen with beauiful oak cabinetry, corian counter tops, a middle island with chairs, tile floors, Moen faucet. A large dining room with wood floor leads through the french doors to all glass sunroom with wood trim that makes you feel like you're outside. The large living room with oak flooring has a gas fireplace. Still on the main level you have three bedrooms with large closets and a bathroom with all the modern features. The laundry room contains LG Smart washer and dryer. On the lower level, you will find large family room with possible fireplace (ask your realtor) play room, a full bath and more, a large storage area with a possible kitchen (it has cabinets and sink all you need is a refridgerator), three large rooms currently used as bedrooms with large closets. To finish off the main level you have large two car garage with work table, many opportunities for storage for fishing poles, wrenches etc. A large storage closet adds extra opportunities for your treasures. Outside side you will find a black metal archway with two trellises in flower garden that sits in backyard, along with a pergola, and a large wooden play ground set. Finally you will find 26' x 26' second 2 car detached garage that currently houses a large boat, cabinetry, work benches and more. This is a don't miss viewing!!!!! $425,000 Active

4807 Killarney Court Jasper, Indiana

6 Beds 4 Baths 3,780 SqFt 0.570 Acres

Listing courtesy of Jake Mauntel from American Dream Mauntel Realty.