flgaland@gmail.com
    (386) 243-0124

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Want to Buy a House in North Florida? Here’s What You Need to Know.

Want to Buy a House in North Florida - Here's What You Need to Know

We all know that in order to get a home loan, a lender has to believe that you’re able (and willing) to repay a mortgage. But how does a lender determine whether they’re willing to give you the cash – and what can you do to make the process easier?

How to Smooth Out the Lending Process

Whether you’re a first, second or third-time homebuyer, it’s important that you follow these four steps to make the lending process go more smoothly for you.

1. Improve your credit score. The higher your score, the lower your payments will be; that’s because you’ll get a better interest rate. Lenders consider you more likely to repay a loan when you have a history of having done so with other creditors.

2. Get a good picture of your debt-to-income ratio. Your home expenses shouldn’t exceed 28 percent of your gross (pre-tax) monthly income. Multiply your gross monthly income by 0.28 to figure out your highest reasonable mortgage payment. That way, you can shop North Florida homes for sale in a realistic price range.

3. Save up for your down payment and closing costs. Stash away as much as you comfortably can so you’re prepared for the down payment – and bear in mind that closing costs can run into the thousands.

4. Get preapproval before you seriously home-shop. The preapproval process will help ensure that you’re ready to apply for an actual mortgage loan, and besides that, it will show you exactly how much money you qualify to borrow. When a lender gives you preapproval, any offers you make will stand out.

Ready to Explore North Florida Homes for Sale?

When you’re ready to start looking at homes, farms and land for sale in North Florida, call us at 386-243-0124 or contact us online. We’ll help you find the perfect space to call your own.

Posted in: Blog, Buying, Real Estate

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As local expert I also have access to North Florida Land for sale before it hits the market and can show you more information that are only accessible in the MLS. If you would like to set up a time to go over your real estate needs, please free to contact me at your convenience. There is no obligation and or pressure... I hope to hear from you!

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North Florida Land for Sale

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flgaland@gmail.com

Office: (386) 243-0124
250 NW Main Blvd #75
Lake City, Florida 32055

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Search Smarter

Did you know the hottest North Florida land for sale often sells within days of being listed? Don't miss out! Set up your own custom property alert so you can be notified of the newest land as they hit the market! Simply click the button below and choose the types of North Florida land you are looking for and save your search to start getting alerts today!

New Property Alerts

As a local expert, I also have access to North Florida land for sale before it hits the market and can show you more information that is only accessible in the MLS. If you would like to set up a time to go over your real estate needs, please free to contact me contact me at your convenience. There is no obligation and or pressure... I hope to hear from you!

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