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:

Unbelievable is the only word that can describe this 4 bedroom, 3 1/2 bath home built in 2024 on 13.14 acres located just 12 minutes from Patoka Lake, in Birdseye, Indiana.  If you are looking for that perfect home on acreage in the country with top of the line everything, or an AMAZING weekend getaway by Patoka, then look no further.  This custom built home features 3031 square feet of finished living space with Bosch appliances, granite counter tops, hardwood floors and tile showers that will satisfy the most particular of owners.  Enjoy the new pond, do some hunting on the surrounding wooded acres, camp on the open ground, and then clean up in the free standing outside bath house.  Wired with an alarm and security system and cameras and wired for a generator if you so choose to add one, this home has had attention to every detail imaginable.  The massive open kitchen/dining/living room lends to great entertaining.  The basement has a large overhead garage door to the living area for great entertaining / grilling / possible boat storage in the winter.  The master bedroom is on the first floor adjacent to the laundry room, and bedrooms 2 & 3 are in the lower level with the 4th bedroom on the upper level.  This magnificent home has so much to offer and is ready for immediate possession. $849,000 Active

5925 S Kyana Road Birdseye, Indiana

4 Beds 4 Baths 3,031 SqFt 13.14 Acres

Listing courtesy of Andrew Welsh from SELL4FREE-WELSH REALTY CORPORATION.

Beautifully remodeled 3 bedroom, 1 bath home in downtown Jasper. As you step inside, you will instantly appreciate all the modern touches. Painted with grey and white tones, maintenance free flooring on the main level, updated kitchen, refrigerator, range, microwave and stackable washer/dryer are included. The bathroom features a  newer walk-in shower. Two bedrooms are located on the main level and a third bedroom or bonus room is located upstairs. Covered front and back porches lend shade for those hot summer days. Spacious back yard and a place to park off the alley way are added bonuses. Walking distance to shopping, restaurants, park, public pool and library. $162,000 Active

321 W 8th Street Jasper, Indiana

3 Beds 1 Baths 1,405 SqFt 0.11 Acres

Listing courtesy of Brenda Welsh from SELL4FREE-WELSH REALTY CORPORATION.

THE PERFECT BLEND OF COUNTRY CHARM AND CITY CONVENIENCE!  Enjoy peaceful living with modern amenities just minutes from town—Patoka water, natural gas, fiber internet, and low property taxes, all just seven minutes from Walmart. Historic French lick and Patoka Lake are only minutes away.    Welcome to this beautifully updated 4-bedroom, 1.5-bath home set on a serene 1.73-acre lot, bordered by tranquil woods and open farmland. Thoughtfully landscaped with LED accent lighting, the curb appeal is just the beginning. Inside, you'll find a stylishly remodeled kitchen and baths, complemented by updated flooring that flows throughout the home. Modern appliances make for an effortless move-in experience. Step outside to your backyard oasis: an above-ground pool with a large deck perfect for warm-weather gatherings and weekend relaxation. The covered front porch and private back deck offer peaceful retreats for morning coffee or evening sunsets.   Additional highlights include:  Concrete driveway leading to a spacious attached 2-car garage, Full unfinished basement and a huge easily accessible attic for ample storage. Recent upgrades: roof (2019), new windows (2024), furnace and central air system (2020), Exterior security cameras.   This home delivers comfort, space, and convenience without compromising your connection to nature. $389,900 Active

149 E State Road 56 Jasper, Indiana

4 Beds 2 Baths 3,527 SqFt 1.73 Acres

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