If you’ve got a Lake Nacimiento home purchase on your mind, now is a great time to buy! Mortgage rates have remained low, and home prices are increasing at normal rates again. Sellers who were hoping to sell before summer’s end may be more likely to negotiate. We’re seeing some great listing options! As your Lake Nacimiento real estate agent, I am here to guide you through the entire home-buying process.
Before you begin your home search, there are a few things you should settle or decide on. It’ll make the home-buying process easier and smoother if you take care of these ahead of time:
1. Choose your location. If you want to live at Lake Nacimiento, decide if you’d like to live in a community with lots of amenities, such as a clubhouse, pool, private dock, events, etc., or if you’d rather live more in the country, with an easy drive to the lake. Or is there somewhere else on the Central Coast you’d rather live? Narrow that down.
2. Get your finances in order. Pull your credit reports to find out what your credit score is, if there are any credit errors you’ll need to fix, or if your score needs to be improved. Find the necessary paperwork for a mortgage loan, and get preapproved by a mortgage lender before beginning your home search. Sellers will take you more seriously, and you can narrow your search to your specific price range.
3. Determine your needs vs. wants. It’s easy to lust over lake homes that are out of your means. Make a list of what your new home absolutely has to have, so we can narrow your search to only homes that meet your criteria. How many bedrooms do you need to fit your family? Do you need a large yard for pets? Are you looking for lake access? Then come up with wants that would be an added bonus.
4. Establish a moving timeline. If you have a current home that you will be selling, determine when you will put that on the market and what you’ll do if you buy a home before you sell. Talk to your utility companies about packages that allow you to easily switch addresses. Determine if you will take time off for a move, or if you’ll hire a company to help. Research moving companies. Start decluttering!
There is a lot to think about when it comes to buying a home, but once you find your Lake Nacimiento dream home, it will all feel worth it! If you have questions about the Lake Nacimiento real estate market or the home-buying process, give our Oak Shores Realty team a call. If you’d like help selling your current home, we can help with that, too!
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Oak Shores Realty specializes in Oak Shores at Lake Nacimiento properties. Please contact us today to get more information on Lake Nacimiento lake homes. Oak Shores Realty can also provide you an insiders “Lake Nacimiento Buying Guide” with great information including maps and market information.