Don't Know Where to Start? Gotcha Covered.
First time buying a home? Don't worry; I'm here to help! I'll walk you through the process of buying your first home in Johnston County, from getting your finances in line to finding the perfect home to closing on the sale.
Consult Your Finances
It goes without saying that buying a home is a big investment. Though it promises security, and the feeling of truly being a part of a community, it involves a lot more work than simply renting. When you rent, you have a landlord to fall back on in case of repairs or maintenance issues. When you own the home, you're responsible for its upkeep.
A great way to budget and plan for a home is to talk with a bank lender (or several) about getting prequalified for a loan. The pre-qualification process essentially sets your budget for you. When you meet with the lender, they will review your credit score, annual income, tax information, savings, any outstanding debts you may have, and any assets you've earned over the years. After taking a careful look at your financial portfolio, they'll let you know how much the bank is willing to loan you.
The Upfront Costs of Buying a Home
In addition to your monthly mortgage payments, you can expect to pay some costs up front and out of pocket. Here's what you're looking at for upfront costs.
Calculate Your Monthly Payments!
Want to get a better idea of what you might be paying per month? Take a look at our handy mortgage calculator to help estimate your monthly costs.
Ready to Find Your
Dream Home?
Would you rather live in a cozy home close to downtown or a more rural community surrounded by undeveloped land? Whatever your preferences, Johnston County has something for you. There are also a lot of new developments in the JoCo area, which means plenty of housing options to pick from, both suburban and more rural. Ready to find the perfect home for you?