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1. Top 10 I Want To Buy A House Tips

2. Tip 1: If You Are Not Going To Stay Put Then Do Not Buy! You say, "I want to buy a house," and the cost of buying a house is certainly very high. However, if you try to sell the house too soon you could end up losing a great deal of money. And when house market prices are falling the possible loss could be even higher. This may not apply to those experienced with buying houses in government auctions, where the buying price is so low that selling for just twice the buying price could be well worth the expense of quick flipping transactions.

3. Tip 2: Make Sure Your Credit Is Solid. Most people, even yours truly, must acquire financing, or a mortgage, when purchasing a house. Start very early by first checking copies of your credit reports and take care of any problems that might keep a lender from financing your house purchase.

4. Tip 3: Buy Within Your Means, Or... Do Not Head For Foreclosure Before You Buy. It is important to fully understand your personal finance posture. Use bank councilors or online budget calculators to ascertain the relationship between your income, debts and expenses. These all affect the actual amount you can afford to purchase a house without over spending, which could inevitably lead to foreclosure proceedings on your dream purchase.

5. Tip 4: You Can Put Down 20 Percent, But... Do You Have Too In Order To Qualify For A Loan? Shop around. If you have your credit in good standing then you may be able to find private or public lenders ready to offer you low interest loans requiring as little as 3 percent of the final purchase amount.

6. Tip 5: Always Buy In An Area Having A Great School District. You may not have children of school age; however, someone wanting to buy your home in the future may have children of school age. DO NOT lose future value on your property by forgetting to consider and include a great school district near your desired house at the time you make your purchase.

7. Tip 6: When It Comes Time To Buy A Home ALWAYS Seek Professional Assistance. Do not just depend on home listing you search through on the Internet. Unless you are a professional property agent you will most certainly always be better off with the aid of an expert buyer agent, who can assist you with bidding strategies during your buying process.

8. Tip 7: Select Wisely Between Paying Additional Points And Accepting The Currently Offered Rate. Here is another good reason to make sure you are going to stay in the house for 3 to 5 years. Doing so will usually make it worth paying additional points - paying points is done at closing time by paying a portion of the interest. The advantage of paying points is usually getting a much lower interest rate which save you a great deal of money over the life of the mortgage.

9. Tip 8: Think: I want to buy A House... Am I Pre-Approved By My Lender? Do not confuse "pre-qualification" with being "pre-approved" by your lender. A lot of heartache is avoided by having the mortgage financing "pre-approved" before making a house purchase. You will have set the relationship right between your income, debt, credit history & approved loan amount by your lender. Come time for bidding & winning you will have a set relationship with your lender in case you may need a tiny bit more in a hurry.

10. Tip 9: Let Your Professional Agent Do Your Bidding Homework For You Ahead Of Time. Your professional agent can find out how home sales in the area of your nearing purchase have been currently (in the last 3 months) performing. This allows you to make both credible and profitable (8 to 10 percent lower is a good starting point) bids on your desired property.

11. Tip 10: Unless You Are Bidding In A Government Auction... Always Procure A Reputable Home Inspector. Start by seeking a professional engineer experienced with performing home surveys in your desired buying area. Knowing of any potential or actual problems that could cost you in the future is worth every penny you pay a professional home inspector. The bank's appraisal is just to make sure the property is worth your offering price.

12. To say, "I want to buy a house," is great! To find the quickest, easiest and most profitable place to buy houses in your area visit: http://ow.ly/71U4M