Secret To Buying A Home - Choosing A Community

Discover the secret to buying a home. Community! "East and West, home is best," remarked Charles Hadgeon Spurgeon, the master of illuminating remarks in 1869. Where did you grow up? For some of us, we lived in one neighborhood.

Others traveled the globe. It's a fact with today's technology, the world feels smaller. Even so, communities occupy a central part of our decision making when buying a house. As you read the following article, consider what you want in a neighborhood.

Buying A House In The Neighborhood You Love

The feeling of community is significant to homeowners. That's why purchasing a home in a certain neighborhood is important to many.

Buying a home is not like renting a house. Seldom does a homeowner live in a home less than five years before selling. Depending on the economic climate, that period of time may increase. That's why a secret to long term homeownership is evaluating neighborhoods.

Case in point, here is how to look for communities that will fit your lifestyle for years to come.

Secret To Buying A Home - Neighborhood Office

For most people distance from work is an important consideration. Because of accessible technology, the home office has evolved. So for the non-commuter not worrying about the price of gasoline, the number of miles to a main office is not as crucial.

But if your employment is within a large city, choosing a neighborhood close to work can save hours of commute time and gallons of gas.

Secret To Buying A Home - Neighborhood Transportation

In cities offering public transportation systems such as bus, train and subway systems, look for neighborhoods close to these services. You may find living further away from the office to be just as convenient.

Secret To Buying A Home - Neighborhood Schools

For home buyers with children, it is important to consider schools. Small children have the added need of preschool. Owning a home convenient to your childcare services and schools can add or decrease hours at the end and beginning of your day when you feel most rushed. Of course not all childcare is created equal so it is important to adequately research available sources.

Accordingly, if you have school age kids, proximity to school and after school care programs is necessary. I don't have to tell you quality of education is important. Since you are most likely going to live in this house for at least a few years you want to be sure to research programs that meet your children's requirements.

Secret To Buying A Home - Neighborhood Lifestyle

Americans love the freedom of lifestyle. So it is important to examine your preferences when finding a community to call home. Beside issues like work and school, there are other important reasons to decide where you want to live.

Secret To Buying A Home - Neighborhood Convenience

Convenience to grocery shopping can mean a lot. Most people frequent the grocery store at least once a week. If you are like most folks, you travel to several stores to purchase food for your family.

By the same token, for some Americans, casual shopping is relaxing. If this describes you, consider buying in an area that caters to your passions. On the other hand, if that's not how you like to spend your week-ends, close-by shopping saves time for activities you prefer.

Secret To Buying A Home - Neighborhood Enjoyment

At the same time when you buy a house think about community surroundings that make you feel good. Usually we consider number of bedrooms and bathrooms but how about nearby entertainment.

You may enjoy frequenting cultural locations. Do you like city parks, community theater and libraries?

Or is being close to nature a good stress reliever after work and during week-ends? If so, look for biking and jogging paths.

Secret To Buying A Home - Neighborhood Comfort

Certainly, the most important issue to finding a community is comfort. Ask yourself this question. Do I feel at home here?

If you can say the house you are buying feels like home sweet home, you may have found the perfect place to call your very own.

Prime Real Estate Articles Tip No.41
Home Mortgage Application | Refinance Loan

So it's time to refinance your home mortgage. If you have been reading this website, you already understand your mortgage lender will have questions waiting for you! Here's how to get ahead of the game.

Prepare your answers to these questions about your refinance.

• Year acquired? If you purchased your home less than three years, jot down the exact day, month and year your transaction officially closed.
• Original cost? This is the amount you paid to the seller, the sales price.
• Amount of existing liens? Combine all current mortgages, including balances of any second and third mortgages.
• Purpose of refinance? In one to three sentences, state your main reason for refinancing.
• What improvements have been made? List repairs and improvements you have made since you bought the house.
• Cost? Include receipts. If you haven't been saving them, start now.
• What improvements will be made? List future repairs and improvements.
• Cost? Include bids or invoices if you already received them.

Understanding Mortgage Applications

Take the guided tour with Kate's unique tips for filling out your home mortgage application...

Coborrower | Responsibility | Loan Type | Appraisal | Rates/Terms | Address/Units | Legal Description | Year Built | Purpose | Usage | Construction | Refinance | Title 1 | Title 2 | Fee Simple | Down Payment | Name | SS Number | Phone Number | DOB/Education | Address | Employment | Income | Housing Expense | Assets | Liabilities | Real Estate Schedule | Transaction Details | Declarations | Acknowledgement | Government Monitoring | Application Interview

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A Gold Mine Of Homeowner Help From Ask Kate

How To Buy A House - Tips On Buying A Home

Refi Tips - Refinancing Your Mortgage

How To Get A Mortgage - Home Loan Help

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