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4 Things You Shouldn`t Do When You`re Buying A Home
By Suvadip Das


Reusable Bags
We`ve gone all eco-friendly in our household as concerns about the planet`s welfare have pricked our minds. Instead of using plastic bags when we go to the supermarket we take our own type of Reusable Bags. In the bad old days we would think nothing about cramming our groceries into tons of plastic bags. When we returned home and emptied the bags in the kitchen the chances are they would be thrown away into the bin. Talk about wasteful and this should never have happened because good quality Reusable Bags are much better ideas. The only obstacle we had to get over was to remember to take the bags to the supermarket in the first place. This problem was soon remedied because we decided to leave the bags in the boot of our car ready to be used at the next grocery shop. If only more people could see themselves shopping with these bags there wouldn`t be millions of plastic bags on landfill sites taking ages to rot away. It`s not difficult to reach into the boot of the car to take out Reusable Bags at the local grocery store. Even folks who don`t drive can use these bags as they are easy to carry. I`m glad we have become a little more eco-friendly in our household and have started using the Reusable Bags.


1. Don`t Make a Major Purchase

You`ve just found out your credit is A . That`s great news, because a new car would look fantastic in the driveway of your new home. But hang on--if you are depending on a mortgage to move in, you`d best wait until after closing to buy the car.

An increase in your debt to income ratio reduces the amount of monthly income available for your mortgage payment. If you tack on a higher car payment, the bank might decide you cannot afford the home.

Using cash to purchase the car could also create a problem, since banks consider cash reserves when approving your mortgage. If you make a major purchase before closing, talk to your loan officer before you do it.

2. Don`t Change Jobs Unless It`s Necessary

Lenders like to see a consistent job history. They aren`t usually as nervous if you change jobs within the same field, but it`s better to stay put until the keys to the house are in your hand.

3. Don`t Give an Earnest Money Deposit Directly to a For Sale By Owner Seller

Your good faith deposit should go into a trust account. Some for sale by owner sellers don`t understand that funds are to be applied to your expenses at closing.

There are incidents about sellers who spent the deposit money prior to closing. When the transactions didn`t take place for valid reasons--such as financing or repair issues, the buyers had to fight for a refund.

Find an attorney or other neutral party who will hold the deposit for you until closing day and make sure your contract dictates what happens to the funds if the transaction doesn`t close.

4. Don`t Let Your Emotions Take Over

Keep a cool head during the entire home buying process, especially during and after an inspection. Be realistic. No home is perfect, especially older homes. It`s not unusual for new owners to take care of some repairs themselves. Don`t let the seller`s refusal to do a small repair kill the deal on a home you truly love.

On the other hand, don`t fall so much in love with the house that you`ll buy no matter what needs to be done--unless you`re absolutely sure you can handle it emotionally and financially. Decide what type of repairs you can realistically tackle, then stick with the decision.

For more information about this article and/or the author visit http://www.super-mortgages.com

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