If You’re Buying a Home as a Married Couple in Central Missouri, Don’t Miss This Real Estate Guide From Adams Realty

For many newly married couples searching for houses on the market, this is their first time buying a home. It can be difficult to navigate this transition if you and your spouse don’t know the preparation of buying a home in mid-MO. From finding a credible realtor to making a list of needs and wants, these tips will make the real estate process much easier for newlywed couples. 

Put your budgets & credit scores together before searching the real estate market in mid-Missouri

The first thing you should do is examine both your and your partner’s financial situation. The two of you should calculate your combined income, be aware of important debts, and check both credit scores to ensure you have a planned budget before buying a home in mid-Missouri. Having a credit score above 740 between you and your spouse is particularly important because it helps in applying for a loan and getting better rates. 

Get a mortgage pre-approval from a mid-MO lender 

Before buying a home as a married couple, many people work with a mortgage lender on getting a mortgage pre-approval. This qualifies you for a loan of a specific price on the home you buy in mid-Missouri. Lenders will review essential records such as your credit scores, debt-to-income ratios, bank statements, tax returns, and more until you and your spouse receive a Good Faith Estimate (GFE) outlining the fees of the loan. 

Sign a contract with a trusted realtor who can help you research homes for sale in mid-Missouri

You should always search the real estate market in central Missouri with a realtor! They can lead you to home prices within your budget, show you the best neighborhoods, and advocate for you in negotiations with home sellers and their agents. It’s even legally required to sign a contract with a realtor before touring a home. As newlyweds picking out their first home in mid-Missouri, make sure to choose a real estate agency with impressive experience and personalized service.

Work with your spouse to figure out what you want most from your future mid-Missouri home   

You and your partner might have a dream home in mind already with a spacious kitchen, all hardwood floors, or a number of other special features. However, the odds are low that one home can cross everything off your list. Set a list of realistic expectations both of you look for in a mid-Missouri home and rank the most essential needs. This will prevent you from forgetting the goals for your future home while also making sure you aren’t disappointed when it’s time to compromise. 

Adams Realty Helps Newlywed Couples Find Their Ideal Home in the Centralia, MO Community. Get in Touch With a Realtor Today!

Let our realtors find you a beautiful home in mid-Missouri to commemorate your new life as a married couple! Adams Realty has served the area for more than 40 years and can land you an amazing price on a house. Reach out and prepare to buy a home with the love of your life!