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:

This all brick home at a great location has been well maintained with newer roof and windows and offering plenty of space (2040 square foot on main level) and a full unfinished basement. It opens to a large living and dining room offering great space for quality time. The u-shaped kitchen comes complete with range, microwave, refrigerator, newer dishwasher and breakfast bar. Laundry is located off the kitchen which includes washer/dryer and a half bath. A double sink vanity with shower is available for 2 bedrooms and a master suite with walk-in closet for the owner. The extended garage offers a perfect workspace or more storage. A patio extends to the backyard creating a peaceful retreat with frequent viewings of wildlife. This one owner home was custom built by Bill Sermersheim with custom window treatments by Corbin's. The location is ideal with the Parklands, walking trails, schools, shopping, golf courses and churches nearby. $249,900 Active

1461 Martha Drive Jasper, Indiana

3 Beds 3 Baths 2,040 SqFt 0.463 Acres

Listing courtesy of Tama Stemle from RE/MAX Local.

This lovely home in the heart of Jasper is tastefully decorated and move-in ready! Walk in the front door to a huge living/family room with a fireplace and is open to the newly updated kitchen with brand new appliances and newer flooring. The laundry/half bath is conveniently located off the kitchen. Back the hallway is the updated full bathroom and 2 bedrooms. The mostly finished basement includes an artsy bar area on one end and on the other end a comfortable family sitting area with a fireplace. 2 more rooms along with a half bath and furnace/storage area complete the lower level. (Furnace and A/C are 1-2 years old). The carport and driveway have recently been re-done, along with a new vinyl fence for the back yard. Behind the carport is a shop that can be used as a workshop/hobby area or extra storage. Now is the time to move on this one!! $164,900 Active

1309 Kundeck Street Jasper, Indiana

2 Beds 3 Baths 2,184 SqFt 0.120 Acres

Listing courtesy of Sandra Cave from RE/MAX Local.

Check out this priced to sell .72 of an Acre, 3 Bedroom Home with tons of Garage space. This property sits on a corner and is very private. $59,000 Active

4542 S 50 E Huntingburg, Indiana

3 Beds 1 Baths 684 SqFt 0.720 Acres

Listing courtesy of Larry Carpenter III from Carpenter Realty LLC.