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Specific Questions We Can Help Answer
Where Should I Live?
If you’re unfamiliar with the areas where you’re considering moving, we can be an invaluable resource. Bishop Country can offer insider knowledge on neighborhoods, schools, recreation, shopping, and many other details about local neighborhoods and subdivisions.
What Features Do I Want in a Home?
It’s important to have a clear picture of what matters most to you in a home or location. Creating a list of “must-haves” and flexible “nice-to-haves” at the beginning will make the process a lot easier. Bishop Country can offer advice on the countless items you should consider according to your lifestyle, budget, and particulars.
What Can I Expect During a Home Purchase?
Our agents at Bishop Country can familiarize you with everything you’ll encounter when you begin the home-buying process, including:
- Preapproval
- Submitting an offer
- Acceptance and sale agreement
- Placing a deposit (“earnest money”)
- Escrow
- Home inspection
- Applying for a mortgage
- Title history and property appraisal
- Closing
How Much House Can I Afford?
Knowing how much you can afford to pay is a crucial step in your search. Nailing down your budget early will make the overall process more focused and less stressful. A good way to figure out how much you can afford is to use the “28/36 Rule,” which states that no more than 28 percent of your gross monthly income should go toward housing costs (including mortgage principal, interest, taxes, and insurance) and that your overall debt should not exceed 36 percent of your income.
