8/14/13

First Time Home Buyer Information

When you purchase a home, there are all kinds of things to consider. I bought my first home in 1997, not really understanding everything I was getting myself into. As a single mom, I didn't have anyone close to me that was helping me with the process and I really didn't know what to look for, other than knowing I wanted a safe place to raise my young children. Upon first look, I could tell whether or not I wanted to live in a certain neighborhood, whether I could handle any necessary repairs, and whether I could afford it. I mostly had to depend upon the home inspector about the more important considerations, like the condition of the foundation, the wiring and the plumbing. Many first time home-buyers enter into the buying process with dreams of family get-togethers, birthday parties, and the pitter patter of little feet up and down the stairs. Thoughts of major repairs tend to get pushed to the back in the excitement of those dreams.

A few years after I moved into my first home, the heater broke. It was New Year's Eve and although the house was located in Texas, it was really cold in the house that night. My soon-to-be-husband worked on that heater all night long, while my kids and I were snuggled up in a bed together under mounds of blankets. Six hours later we had heat again. A few months later, just weeks before our June wedding, the unit died and we had to spend a ton of money to get it completely replaced. The best solution to avoid these types of expensive emergencies is to purchase coverage for electrical, HVAC, and plumbing issues. Homeowners should always research a company to see exactly what is covered and whether the company has a good reputation. One such company is HomeServe USA and the Homeserve USA bbb report shows consumers a rating on a scale of A+ - F. These ratings are a pretty good indicator of service, but keep in mind that most people only contact the bbb when something goes wrong. If you're considering a home purchase, do your research and talk to several experienced homeowners during the process.
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