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Getting Ready To Buy Reno Real Estate

Purchasing a property is one of the most significant financial decisions you’ll ever make. Whether you’re a first-time homebuyer or a seasoned investor, it’s important to navigate the process thoughtfully. Here are a few key considerations before making your purchase:

Clarify Your “Why”

Are you ready to stop paying high rent? Do you need more space, or are you seeking an investment property? Understanding the motivation behind your purchase will help you focus on the right priorities and choose a property that truly fits your goals.

Evaluate Your Readiness to Invest

Real estate has long been one of the most reliable ways to build wealth — and it continues to be today. Whether you’re buying your first home to establish equity or expanding your portfolio with a rental property, real estate offers stability that other investments, such as stocks or collectibles, often can’t provide.

When you are ready to get started, call 775.232.2663 or complete this short form and agent Andrew will be in touch.

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Other Things To Consider

Get Your Financials in Order

Before purchasing a property, it’s important to ensure your financial situation is stable. Avoid making sudden career changes or large purchases, as these can negatively impact your credit profile and borrowing power. Your credit score directly affects the type of property you can buy, your loan options, interest rate, and overall affordability.

We partner with trusted lenders who can provide an updated credit report and review your standing with all three major agencies — Equifax, Experian, and TransUnion. Whether you need guidance in residential, construction, or commercial financing, we are happy to connect you with knowledgeable lending professionals.

Organize Your Finances

Being financially prepared ensures a smoother buying process and strengthens your position when making an offer. Having the following documents ready will help avoid delays, reduce stress, and position you as a serious buyer:

  • Bank accounts
  • Recent pay stubs
  • Check Your Credit Rating
  • Financial statements
  • Investments
  • Tax returns for two years
  • Credit cards
  • Auto and other loans
  • Copies of leases for investment properties
  • 401K statements, life insurance, stocks, bonds, and mutual account information

Prequalify

Getting pre-qualified is a crucial step in the buying process. It allows you to:

  • Understand your ideal price range
  • Estimate monthly payments
  • Explore different loan options
  • Plan for down payments and closing costs

Tips For Buying The Perfect Home

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Be Mindful of Your Budget

Just because you qualify for the maximum loan amount doesn’t mean you should spend it all on the purchase price. Remember to account for closing costs, property taxes, and any potential repairs or renovations.

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Research the Neighborhood

Choose a location that fits your lifestyle and long-term needs. Consider factors such as school proximity, commute times, and access to shopping, dining, and other conveniences.

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Never Skip the Home Inspection

A professional inspection can uncover issues that may not be visible during a walkthrough. This step gives you peace of mind and ensures you’re making a well-informed investment.

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Get Pre-Approved

Pre-approval demonstrates to sellers that you’re a serious buyer with financing in place — giving you a competitive advantage over other shoppers.

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Make a List of Deal Breakers

Know what you can live with and what you cannot live without and also those things that can be taken care of with a simple remodel. If you need a 4 bedroom home, don't buy one with 2 that requires a massive addition which can break your budget.

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Look At The Age Of Appliances & Other Systems

Some of the most expensive features of a home are Appliances, HVAC, Hot Water Heater, Septic/Well, and Roof. You should pay attention to their age and whether they have required service. You may even be able to get the seller to add a home warranty.

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Check For HOA Requirements

Most neighborhoods have HOAs that govern what you can and can't do - be sure you know what the rules are for your neighborhood, and the fees associated with having an HOA. They are usually listed as annual fees.

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Questions?

Give us a call at 775.232.2663 or fill out the form and we’ll be in touch.

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