Buy
The Cyber Home Team's Guide to Buying a Home
Whether you're a first-time home buyer or a veteran, buying a home is a complex process. This home buying guide will help you to figure out what kind of home you might like, which amenities are most important to you and how to estimate your price range so you don't fall in love with a home that is too expensive, which you later regret.
Below are great articles we provide on the various steps of the home buying process. To read more in-depth on each topic, click on the article title.
Before Buying a Home, Get Your Finances In Order 
Line up your financing, set aside a down payment and study the loan programs available. By doing your homework, you will know exactly how much you can pay and what it will cost you.
Give yourself time to clean up a credit report that contains mistakes. Dispute errors. Try to reduce your monthly debt obligations now by paying down those loan balances.
Check out places to get a mortgage and compare rates and fees. Start with your own financial institution, then interview a few mortgage brokers and choose a loan product you completely understand.
The more you put down, the lower your monthly mortgage payment. Here are 12 places to find a down payment.
FHA loans carry competitive interest rates, come with minimum down payment requirements and allow sellers to pay some or all of your closing costs.
Showing the seller you are already preapproved for a loan gives you an edge during offer negotiation.
Pick a Real Estate Agent to Help With Buying a Home 
With so much information available online, you might wonder why you need an agent at all. But all local markets vary from one another, and a good agent can guide you by giving you information based on experience and market knowledge.
Learn How to Avoid Home Buying Mistakes 
The best way to avoid making a mistake it to learn from the mistakes others have made. Buying a home in a desirable location is your best defense. Remember: location, location, location.
Start your search online, and don't rely on print because most homes are not advertised in the newspaper.
Avoid the Top 3 Home Buying Blunders.
Protect your earnest money deposit by writing contingencies into your contract. Here's how to make sure you buy the right home.
Make an Offer and Negotiate Like a Pro 
Although buying a home is not like buying a car, for example, you can still negotiate to get a good price.
If you really love the home, chances are another buyer will want it as well. Here's how to win your offer.
It's common for sellers and buyers to negotiate back and forth through counter offers.
Get a Home Inspection and Read Disclosures 
Never buy a home without getting a home inspection. Most states have laws about the types of disclosures you are entitled to receive.
What a Home Inspection Covers.
Go through this list and make sure your home inspector doesn't miss anything crucial.
Always do a final inspection a few days before closing to make sure the property is in the same condition as when you agreed to buy it.
Closing on Your Home 
Transactions generally close within 30 to 60 days after your offer has been accepted. Remember to reserve movers or a moving truck early because many people move at the end of the month.
Shop for insurance rates carefully. Often, the company that insures your automobiles may offer you the best policy rates.
You might think you don't need a title policy, but it's the cheapest form of insurance you can buy, and you pay the premium only once.
This covers every step of the home closing process, from the beginning to the end.
