Doorsteps Homebuyer Class can help clear up the confusion that first time buyers typically feel when starting to look for a home. During each month’s classes, we will typically offer advice for first time buyers on a wide range of topics, from managing credit scores and setting a budget to understanding what you’re signing at closing.
Below you will find various people/options/companies in the Fargo-Moorhead area that you may interact with during the home buying process. Each month we try and have presenters from each of these areas on-hand to answer any questions that you might have.
NEW CONSTRUCTION
Even if you aren’t currently looking for new construction, it’s never a bad idea to learn about it. New construction has a lot of pro’s and con’s; knowing them can be crucial to making your future building decision.
CREDIT COUNSELOR
No one wants to be house poor. The credit counselor will go in-depth on how credit affects you, how to change it, and budgeting. The first step is figuring out how much you want to afford.
INSURANCE AGENT
There are lots of insurance options for you and this topic often gets overlooked. Insuring the biggest purchase of your life requires careful thought and consideration. What does your insurance cover? What doesn’t it cover? What is the right kind of coverage for you?
LENDER
The amount of loan options can leave your head spinning. FHA, USDA, Conventional, VA, and more! The lender will give a brief overview of each option, explain what to look for when choosing a lender, and how to get you qualified for the best loan for your needs. .
REALTOR®
Real Estate Agents can help guide you through the process of home buying from start to close. The Realtor® will explain how to choose the right agent for you, the latest market trends and updates. Being properly represented is the key to being happy with the largest purchase of your life.
HOME INSPECTOR
Home inspectors do more than just look at a house to make sure it’s in good working order — they can help you identify issues you may need to budget for in the future and teach you how to care for your home. Choosing a qualified and experience home inspector is vital to ensuring your home will suit your needs.
CLOSING COMPANY
When closing day comes, people are often overwhelmed with the paperwork. The closing company will take you through what to expect on closing day so you understand what you’re signing.
ENERGY EFFICIENCY
Using too much electricity and energy can be hard on the environment and your pocket book. Learn how to save energy and money from an energy efficiency professional so, after making the biggest purchase of your life, you won’t be shocked by a giant electric bill (and, help make the world a cleaner place, too)!