Prepare For Home Buying In Far In Advance For Lower Payments

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

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Welcome to this 3-bedroom, 2-bathroom home that’s very well maintained. The spacious master bedroom features a beautiful bathroom and walk-in closets in every room. The living room gives ample space to entertain family and friends.   Whether you're relaxing in the cozy living area, cooking in the updated kitchen, or unwinding in your private bedroom, this home offers comfort and convenience.  Located right down the road from the Dairy Barn, shopping, and close to schools, this home is a must-see!  Schedule a showing today and see all it has to offer. $119,900 Active

803 S State Road Birdseye, Indiana

3 Beds 2 Baths 1,312 SqFt 0.400 Acres

Listing courtesy of Shea Fleck from RE/MAX REVOLUTION.

Welcome to 563 Ridgeway Court, located in the picturesque Country Ridge Estates of Ferdinand, Indiana. This charming ranch home, custom-built by Kerstiens Homes and Designs, is just 4 years old and boasts 1,824 square feet of comfortable living space. Featuring a thoughtful split floor plan, this residence includes three spacious bedrooms and two full bathrooms, offering both privacy and convenience.  As you step inside, you’ll be greeted by the warm and inviting atmosphere of the main living area, highlighted by beautiful laminate flooring that extends throughout. The large, open spaces are perfect for both relaxing and entertaining. One of the standout features of this home is the delightful sunroom, a bright and airy space where you can enjoy the changing seasons year-round.  The level yard is ideal for outdoor activities and gatherings, while the private backyard provides a serene retreat for relaxation. This meticulously maintained property offers a blend of modern amenities and timeless charm, making it a perfect choice for those seeking comfort and style in a peaceful neighborhood. $355,900 Active

563 Ridgeway Court Ferdinand, Indiana

3 Beds 2 Baths 1,824 SqFt 0.260 Acres

Listing courtesy of KaraHinshaw from Key Associates Signature Realty.

One-owner, quality built home by Andy Klem features a split bedroom floor plan with spacious, tucked away primary suite and 2 other bedrooms on the opposite side of the main floor.  The expansive kitchen and dining area is the hub of the home and could be opened up further to the adjacent living room.  Kitchen offers abundant cabinetry, breakfast bar, and a 10 ft walk-in pantry, plus there's a generous dining area for your whole family.  From this vantage point, you have a perfect view of the picturesque backyard, with not a neighbor in sight.  Enjoy the bonus finished living space the walkout basement has to offer and features such as higher ceilings, woodburning stove for cooler months, and the convenience of a half bath. There are multiple areas for storage and your own workshop, plus a room plumbed for an additional kitchen for future plans.  Step outside the basement and find an open patio and a recently finished covered deck addition.  The backyard is optimal for family fun and also includes a newer shed for your outdoor storage needs.  This home has been well-kept and well-maintained with new HVAC 2023, water heater 2020, newer vinyl plank flooring on main floor, routinely serviced chimney, and solid wood doors. $350,000 Active

1735 W 5th Street Jasper, Indiana

3 Beds 3 Baths 2,389 SqFt 0.820 Acres

Listing courtesy of Dara O'Neil from F.C. TUCKER EMGE.