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The 12 Absolutely Cheapest Places to Buy a House in America. 2015 Best States to Buy a House - Niche. The 10 Best Cities for Home Buyers. Embed Gallery <iframe src=" height="580px" width="587px" scrolling="no" frameBorder="0"></iframe></br><a href=" 10 Best Cities for Home Buyers</a> By Movoto Real Estate Deciding to buy a home is one thing, but actually buying one—even if you have your down payment saved up and all your financials in order—is something else altogether.

The 10 Best Cities for Home Buyers

You have to be able to find a house to buy, and with inventory levels near an all-time low, even that can be extremely difficult. Easy Ideas for Organizing and Cleaning Your Home. Buying Secret #10: Keep Your Money Where It Is It’s not wise to make any huge purchases or move your money around three to six months before buying a new home.

Easy Ideas for Organizing and Cleaning Your Home

You don’t want to take any big chances with your credit profile. Lenders need to see that you’re reliable and they want a complete paper trail so that they can get you the best loan possible. 5 tips for first-home buyers in today's market. Families looking to buy their first home are in for a world of hurt.

5 tips for first-home buyers in today's market

Starter homes are in short supply, which makes it tougher for buyers to not only find an acceptable property but also to negotiate on price and terms. Not surprisingly, that's locking out many first-time buyers and depressing the number of trade-up homes on the market, too. Since 2012, the number of starter homes listed for sale has fallen 43.6 percent, and the inventory of trade-up properties is down 41 percent, according to research conducted by Trulia, a real estate website. That's fueling a vicious cycle, pushing up prices and making the market increasing unaffordable, site officials say. "Those who are making their first foray into the housing market are worse off than they've been in years," said Ralph McLaughlin, chief economist for Trulia.

Of course, the pain is not evenly distributed around the country. Steps To Buy A Home. Whether buying a home for the first time, buying a second home or considering investment property, you should take steps to protect your investment and financial health.

Steps To Buy A Home

No matter what type of property you’re eyeing, take these precautions as you navigate the purchase of any piece of real estate. Before Shopping for Property Take stock of your finances. Before contacting a real estate agent or window shopping for a new home, figure out what you can spend. “Taking a simple inventory of their wallet can help buyers understand their financial ability and speed up the mortgage pre-approval process,” says David Wolf, president of Related Realty in Chicago.

NerdWallet's Financial Guide for Home Buyers. 10 Tips for Home Buying and Selling. Get the best deal from your broker.

10 Tips for Home Buying and Selling

The traditional 5 to 6 percent sales commission isn’t carved in stone. Our 2015 survey of real estate brokers found that 63 percent negotiated their fees at least half the time. Almost half of agents charged 4 percent or less. An agent may be more amenable if you’ve sent him or her referrals, or have done some legwork, says Lee Williams, an agent with Level Group, a New York City residential brokerage firm. That might involve obtaining property surveys, original floor plans, or tax records. Fix the big things. Declutter, depersonalize. Post lots of images. Get squeaky clean. The Most Important Things to Look for in a New Home - Home First Certified. What kinds of qualities would you say make up your ideal home?

The Most Important Things to Look for in a New Home - Home First Certified

For a lot of people, their answer to this question will involve specific features of a home like how many bedrooms it has or whether or not it has a garage. While these absolutely are important things to consider while looking for a new place to live, there are a lot of other important factors to consider, too: Affordability One of the most important things to consider when looking for a new home is how affordable it will be to live there. Many cities have absolutely astronomical costs of living that make it extremely difficult for the average person to live comfortably. Proximity to Schools and Jobs When you have children, it’s very important to look at the quality of schools in the area. Unless you’re retired, finding a place that’s close to lots of great places to work is very important. Lifestyle Safety.

How to Buy a House - 6 Must-Dos Before Buying A Home. Strengthen your credit score "It's a brave, new world with respect to credit requirements for mortgages," says John Ulzheimer, credit expert and contributor at CreditSesame.

How to Buy a House - 6 Must-Dos Before Buying A Home

One old rule still applies: The higher your credit score, the lower your monthly payments. "Below 660 or 680, you're either going to have to pay sizable fees or a higher down payment," Zigas says. And that's pretty much the cutoff score for getting a mortgage, he says. Higher scores wanted Vicki Bott, a former official at the U.S.

On the other end, a score of 700 to 720 will get you a good deal, and 750 and above will garner the best rates on the market. Improve your chances by: pulling your credit reports and ensuring you're not being unfairly penalized for old, paid or settled debts, Zigas says. Get your credit report and score today, free and with no obligation, at myBankrate.