2023 Home Buying NY Resolutions #4 - Get Smart & Energy-Friendly

Are you still trying to connect with last year’s resolutions? The tradition of setting goals for the home can be motivating. Here are a few home resolutions worth adding to the ones you may already have in mind. 

4. Get smart and get energy-friendly

Using smart lighting, smart appliances, and smart thermostats are the key to making your home energy-friendly. The heating and cooling system will indeed have its quirks. Are you still using those vintage appliances? Get on and buy the latest devices, which may mean that you connect the system to the internet, control it through a smartphone app, and create a schedule based on your needs. You save money and heat and cool your home only when you require it. Similarly, switch to intelligent lighting systems and control the brightness and color of the living room. Change the old appliances if you have the budget. That way, you will save energy and money. 

2023 Home Buying NY Resolution #3 - Get A Mortgage Pre-Approval

 

3. Get A Mortgage Pre-Approval

The interest rates are rumored to go higher in the coming year. This can dramatically impact the mortgage amount you can get from the lenders. 

Once you get pre-approval for the mortgage, your rate will be locked for a specific period.

However, you may not buy a home forcibly or commit to a lender. But by getting written approval of the amount and interest rate, you can talk to realtors and shop for a home within your budget.

2023 Home Buying NY Resolution #2 - Credit Rating/Credit Clean-up

 

2. Credit Rating/Credit Clean-up

Have you checked your creditworthiness lately?

If you haven’t, do it right now, as most lenders use this score and other factors like the debt-to-income ratio to determine your mortgage worthiness. 

Remember the utility bill you failed to pay a few years back? Such histories of non-payment may come back to haunt you later in the form of a negative credit rating. Eventually, you may fail to qualify for the mortgage. Before your credit rating goes wrong, clean it up to qualify for a great mortgage.

2023 Home Buying NY Resolution #1 - Save Money For Down Payment

 

1. Saving money for the down payment

Arguably one of the most significant and daunting aspects of buying a home is arranging the down payment. 

Considering the higher average prices of homes, you need to arrange at least 20% as a down payment to avoid taking out a high-ratio mortgage.

So, it’s time to think about ways to adjust your budget and free up money. If you are planning to take a loan to buy a home, start saving immediately. But before that, get together with the reputed realtor and get an estimate of the money you need to spend for a new home.

New Year Resolutions to Make For Your Home Buying in 2023

 

As we are nearing the end of 2022, change is likely at the forefront. You must have a flurry of personal resolutions for the coming year, but what about your home, where you spend a significant chunk of time besides work? If home buying is on your to-do list, you need to complete a few tasks before shopping for a new home and if you already own a home, change your approach to refresh your living space.

Over the next few days, we will share with you six significant resolutions to consider for the coming year. These are Resolutions for Home Buying... But, if you might be a Home Seller in 2023, it would be good to keep these resolutions in mind as you prepare to be put your home on the market.

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