Buying a home is an exciting time and part of the American dream. Everyone dreams of owning their own home, a place they can call their own and use to build equity. However, there are many hurdles and pitfalls to the home buying process and if you are not prepared it's very easy to buy into a place that will prove to be more trouble than it's worth. At Petruzelo Insurance we know how important this decision is and we want everyone to know the basics when it comes to buying a home.
It's an often used phrase but it's true. Where you choose to buy your home is probably the most important factor when purchasing a home. Before you even go looking for homes for sale take some time to think about you and your family and what your needs are. Are you comfortable in a suburb? Do you long for a wooded backyard or would you prefer an urban brownstone? Also think about your long-term goals. Buying a small 1-bedroom doesn't make much sense if you plan on having a family. The more you think about what it is you need to make your life more comfortable and enjoyable the easier it will be to find the house that is right for you.
The sub-prime mortgage crisis gave everyone a necessary wakeup call regarding wants and needs. Everyone wants a fabulous home with a pool and manicured landscape but if you can't afford it don't buy it. By breaking down what you need you'll be able to sort through available houses for sale in accordance with what you can afford. Buying a home is more than just the payment for the house. It also involves utilities, property taxes, repairs and landscaping. When you factor in all the costs a particular home will include you'll be able to make better decisions when it comes to affording a home.
Most states require a home seller to disclose any potential problems with the home or property but they may not be aware of structural defects with the roof, sink holes in the yard and other costly hazards. Though it will cost you around $400 it is a wise decision to have any home you are considering buying thoroughly inspected by a professional home inspector. This inspection can save you a lot of headaches and hassle in the future and ensure that the home you are buying doesn't have any unwelcome surprises waiting for you.
For more information on home insurance in Connecticut, call: 1-866-479-3327
Customer satisfaction is the key to an independent agent's livelihood. So, serving policyholders is an independent agent's most important concern. We offer one-stop shopping for a full range of products - home, renters, auto, business, life and health.
We are committed to always "be there when you need us" to answer questions, modify coverage, or provide claim assistance. Call for a quote and you'll quickly experience the "Petruzelo Difference:" sincerely caring and personal service that really does make a difference.