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The decision to purchase a home can be a scary one, but by giving you a few tips on the three things that scare people the most about buying a home, I hope to help ease your fears.

The Cost
The greatest fear that people have about buying a home is can I afford it. This is what keeps you up at night – calculating and recalculating how many lunches you have to pack instead of going out with the gang, to be able to make the mortgage payment.

Working with a great lender, getting pre-approved BEFORE you start looking at homes and being realistic about what you are willing and able to spend is the key to help ease this fear. The lender will give you a range of loan options available and can give you a realistic projection of what you REALLY can afford considering your budget and lifestyle.

The Commitment
When it comes to buying a home, we’re all susceptible to a fear of commitment. Buying a home usually means committing money and time to being in one spot. If you’re just finishing a degree or training, or you’re not sure that you’ll be in the same position for a while, you may consider waiting until your life is a little more stable.

The best way to deal with this fear of commitment is to buy a home that will resell easily, one that has features that other people are looking for.

The People
With such a big investment, who can you trust in the home buying process? There are sellers, real estate agents, lenders, builders, movers and attorneys, all of whom may be strangers and have a vested interest when you buy a home. It’s easy to be afraid that they will take you to the cleaners.

Most of these people stay in business because satisfied clients refer them to friends, family, neighbors and coworkers. Ask the people around you who they have used and ask them to describe their experiences. Once you’ve found a real estate agent you trust, one that makes customer satisfaction their number one priority, they can provide you with referrals to people who you can trust to have your best interests in mind.

For more tips on making the home buying process easier, read this past blog post.