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Attorney Ben Proto - The Musings of a Mad Lawyer

Thursday, December 12, 2019

How to Buy Your First Home in Connecticut

Buying your first home is an exciting process. From your initial search to closing, the homebuying process can be a great experience. However, like most things in life, it isn’t without its pitfalls. In order to ensure that your first home purchase is successful, please review the information below and contact an experienced Connecticut real estate attorney today to begin your home search.

Obtain pre-approval

Before you begin your house search, you should obtain pre-approval for a loan. In order to do this, you should arrange a meeting with a loan officer from a bank, credit union, or mortgage company. After reviewing your credit score and financial information, the loan officer will tell you how much you’re qualified to borrow and which loan programs are available to you.

Determine your price range

After you determine how much you can borrow and how much cash you have available for a down payment, you should be able to narrow your search down to homes within a specific price range.

Find your home

Once you’ve obtained pre-approval and determined your price range, it’s time for the fun part—house hunting! Many people begin their home searches online, as there are several popular websites that maintain up-to-date home listings. In addition, some people work with a buyer’s agent to identify potential homes. Regardless of the method you choose, make sure you enjoy the process!

Make an offer

After you’ve decided on a home you like, make an offer! An offer entails submitting a written contract to the seller. However, be sure to engage the services of a real estate attorney to assist you with this. A real estate attorney will assist you with the drafting and submission of your contract. And if your real estate agent has already drafted a contract, your real estate attorney will review it to ensure that there aren’t any issues that must be addressed prior to submission.

Schedule an inspection

Following offer and acceptance, you’ll need to schedule a basic home inspection. A home inspection usually takes a few hours to complete and costs between $300 and $600. The cost and length of the inspection will vary depending on the size of the home, location of the home, and other factors. Ask your real estate agent or attorney for home inspector recommendations.

Obtain the assistance of a Connecticut real estate attorney

As noted above, the assistance of a Connecticut real estate attorney is critical when purchasing your first home. At the Law Office of Benjamin S. Proto, Jr., our experienced Connecticut real estate attorney will walk you through the home buying process to ensure that all deadlines and requirements are met along the way. Therefore, if you are interested in buying your first home in Stratford, Bridgeport, Milford, Trumbull, Shelton, Fairfield, Orange, Derby, New Haven, or anywhere else in Connecticut, please contact us today for a consultation.

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