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It’s the start of a new year and people are making resolutions and goals for the upcoming year. Many goals and resolutions are all about improving ourselves and our lives. One way to improve life is with a new home that is better suited to your needs and your tastes. Consider making one of your goals for 2018 the building or purchase of one of the homes in Hoschton GA, and let Piedmont Homes help you achieve your goal.

In order to be in your new home by the end of the year — or sooner — now is the time to start preparing. The very first step to take is to check your credit report. Ideally, you want your FICO score to be 740 or above in order to get the best mortgage rate. The higher your number is, the less interest you’ll pay and even a difference of just 1 or 2% can result in significant savings. If your score needs improving, make sure you correct any errors, pay all bills on time, and try to use no more than 30% of your total credit. Also, avoid opening up any new lines of credit, including credit cards at this point.

Once your credit score is in a good place, start looking at mortgage lenders. It is important to know up front just how much you can afford. If you can’t afford a home that will meet your needs, it is better to wait and focus on saving money. Be sure to compare lenders, because you may find better rates. Once you find a lender, get pre-approved to make you more attractive to sellers and to help speed the process once you find your ideal home.

When you’re ready to start looking, it is important to find a real estate agent who will best serve your needs. You want someone you can talk to who will give you clear answers in a quick amount of time. It is also good to have an agent who really knows the area, because they can give you a sense of the overall value of a neighborhood over the years and into the future. When they know what kind of house you want, they are better able to help you narrow down your search. They may also be able to help direct you to lenders.

If you turn to Piedmont Residential, you’ll find a variety of helpful tips on financing, mortgage calculators, and more right on their website. They also offer the option of building your ideal home. As well as quick move in homes, they have a variety of homes in Hoschton GA and other cities and communities surrounding the Atlanta area, making it easy to find a home that meets your style, size, and financial needs. Contact them today to learn more about how you can achieve your goal of purchasing a new home in 2018.

This post was written by Piedmont Residential.