Cincinnati Real Estate | Northern Kentucky Homes | Southwest Ohio Real Estate Listings
Search Listings In Greater Cincinnati
Search Listings in Northern Kentucky
Search Listings
Buying A Home
Dream Home Finder
Wants Vs Needs Checklist
Getting A Mortgage
Mortgage Calculator
Relocation
Moving Checklist
Free Reports
Home Buying Resources
Selling Your Home
What's Your Home Worth?
Boosting Curb Appeal
Quick Notice Showing Tips
Preparing Your Home For Market
Selling To Move Up
Relocation Information
Free Selling Reports
Home Selling Resources
New Doors Blog
Katie Hesse Videos
Meet Katie Hesse of Coldwell Banker West Shell
Contact  Katie Hesse of Oakridge Realtors
Affiliations 
Need An Agent?
Are you looking for a real estate resource outside of the Greater Cincinnati area? I can connect you with a local agent in any market around the globe.
Connect 
Buying Your Home 

Buying a home is an exciting but often overwhelming experience, particularly if you are buying your first home. As your REALTOR®, I can help you through the home buying process and assure that you find the right home for you, at the right price for you.

Every homebuyer has a number of concerns, all of which I can help you with:

Setting a Time Frame
There are a lot of variables in the home-buying process, which means the time it takes to find and buy your new home varies too. A typical home search process may take three to four months, including the mortgage approval process, comparing and evaluating properties, making an offer and the closing process. The loan process typically takes 30-45 days.

The Lending Process
Perhaps one of the most intimidating aspects of buying a home is the mortgage approval process. I'll be here to help guide you through this, but there are many ways you can prepare early to make the process smoother. Start by making sure your budget is under control--make a list of all your monthly expenses, compare it with your income, and see if adjustments need to be made. You should also try to pay off small credit card balances. Start gathering documents you may need, such as W-2 forms, income tax returns for the past few years, pay stubs, records of child support or alimony, bank statements for the past several months, and your credit report. Also, be sure to allow for closing costs. Getting several offers will allow you to compare loans and get the best deal.

Determining How Much You Can Afford
A general guideline to consider is that most buyers purchase a home that costs about one and a half to two and half times their current annual income. For example, someone earning $50,000 a year might purchase a home for $75,000 to $125,000. Mortgage payments should be about 26-28 percent of your gross monthly income. Existing debt is also considered in the mortgage process, and total debt payments (car payments, credit cards, student loans, etc.) should not exceed 40 percent of your gross monthly income. Click here to use this easy mortgage calculator to get an estimate of monthly payments.

Finding a Home That Meets Your Needs and Wants
Before you start looking at properties, make a list of "must-have" features along with optional features you'd like to have. "Must-have" features may include the number of bedrooms and bathrooms you'll need to accommodate your family, location (consider commute to work, which schools your children will attend, etc.), lot size and special needs (handicapped access, etc.). Optional features may include the architectural styling, bay windows, landscaping, etc. Having a clear idea of what you want in a home will help your REALTOR® find the perfect property for you.

Educating yourself about the home-buying process is key to getting a home you love and can afford. As your REALTOR®, I am here to answer any questions you might have and guide you through this process.

Katie Hesse

Katie Hesse
Sales Associate
CRS, GRI, ABR
Coldwell Banker West Shell
Metro Link
| Hyde Park
Cincinnati, Ohio
Mobile/Text: 513-417-9073
Fax: 513-332-9341
Licensed in Ohio and Kentucky

Share 
Testimonials
775965
' Katie is an exceptional agent; she is very professional, knowledgeable, and friendly. I wish every real estate transaction was this easy and with ... more '
5.0/5.0
by zuser20140311095244177
773831
' Katie assisted us with selling our condod as part of a corporate relocation program.<br/><br/>She provided a solid marketing plan, but was open to our ... more '
5.0/5.0
by mathewsemily
Email
Facebook
Twitter
LinkedIn
Google+

Terms of Use - Privacy Policy - Contact Policy

Site Map

Copyright© Katie Hesse, All Rights Reserved.
Portions Copyright© Pro Step Marketing

Site Powered By
    prostepmarketing.com
    Online web site design