How to buy your dream home without it becoming a nightmare

The home buying process can be exciting, fun, and a bit overwhelming, especially the first time. However, there are some simple things you can do to help it go more smoothly.

The Capital One Home Loans Online Neighborhood is a free online resource where you can learn all about home buying. They’ve gathered easy-to-understand articles and helpful videos, as well as information about Capital One’s Home Loans offerings.

1. List your must haves.
When you think of your home, it’s important to know the top items on your list. For us, we knew we needed 3 bedrooms and 2 bathrooms. We also wanted to make sure we had a 2 car garage, central air conditioning, and a fenced yard. It sounds like a lot, but it helped narrow the choices down so we didn’t waste time visiting houses that didn’t fit our needs.

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2. Get pre-qualified.
If you really want to save a lot of stress and make things easier, get pre-qualified. Knowing how much you can afford will help you look at realistic choices. It also makes you very appealing to sellers because they can close faster if they don’t need to wait for you to get a loan. Buying a home is an important process, and can be a bit complicated. Luckily, Capital One’s new online resource lays the groundwork with a glossary of terms you should know, an overview of the loans available and more.

3. Research your favorite areas.
Not all locations are created equal, and that will reflect in the price you might pay when you buy. Knowing what to expect before hand will not only save time, but it will help you budget your down payment and your loan. The traditional estimate for a down payment is 20 percent of the purchase price of the house, which can lower your monthly payments and avoid mortgage insurance.

4. Use a realtor.
As a buyer, a realtor can be a huge help! Plus, their services are free when buying. They will help you walk through all the paperwork (and there is a lot of paperwork). They can clue you into homes coming on the market in your favorite areas, and they can help you get your offer excepted. We used a realtor when we bought our home, and it was the only way we ended up coming out on top of the 3 other bids that were in on our house.

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5. Will you build or buy an existing home?
This is important since loan options are different when building from scratch or buying an existing home. Each option has it’s own set of perks, but it’s best to research before you decide. To learn more about the loan process, be sure to visit Capital One’s resource page.

6. Be willing to see past the paint choices.
Having an open mind will help you a lot in this process. When we bought our home the kitchen was firmly stuck in the 1980s. We knew with a little paint and new counter tops we could easily make it a kitchen we would love. Ignore things like terrible paint choices, or bad furniture. Remember, paint is the cheapest and easiest thing to change.

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The more you can prepare, the easier the home buying process will be. Buying a home can be so exciting, and hopefully, a lot of fun!

I was selected for this opportunity as a member of Clever Girls and the content and opinions expressed here are all my own.

This entry was posted in home.

LED Light Bulb Guide

We have been trying to find ways to reduce our energy costs, and one of the things we have done is change our light bulbs. LED bulbs are a great choice, and luckily ACE Hardware has come up with this handy guide to help you pick the right bulb for your home.

Do you use LED bulbs? What do you think of them? I’d love to hear your thoughts!

Click to enlarge

Click to enlarge

This entry was posted in home.

Celebrating 13 years!

My husband and I have been married for 13 years now. We celebrated our anniversary last month, it was fun to remember the craziness of our wedding. Did you know we got married during the Winter Olympics? I know that doesn’t sound crazy, except that they were being hosted in our state!

We like to enjoy our anniversaries in a low key manner, usually with take out from a favorite restaurant and a fun movie at home. Why celebrate with tons of other people around, right? Or at least that is how we see it.

It’s amazing how fast time seems to have gone, and yet it also feels like we have been married forever. If your married too you probably know what I mean.

This entry was posted in home.

We are a 2015 JDR Industry Blogger Awards nominee!

JDRNomineeBadge_InteriorDesign2015 It’s always fun when your blog gets recognized. So of course we are thrilled to be a Best Blogger nominee in the Interior Design category for the 6th annual 2015 JDR Industry Blogger Awards.

To win the award we need YOU. It would be amazing to win, but we can’t do that without your votes. Voting is quick and easy, just click here and pick The Stylish Nest in the “Interior Design” category. Thanks so much for your support!

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