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How to get started with your home search

house and keys

What's the best way to start searching for a home?

The first step to kick off your home search is to find yourself a real estate agent. Your agent can help narrow down your search for a home but they can also walk you through your specific situation, your options and connect you with industry experts that you’ll likely need along the way – such as a lender, home inspector, and attorney.

Before you start clicking through new home listings on the Internet, it’s advisable to save yourself time up front. Make sure you’ve pre-approved by a reputable lender that knows our local market. 

What does a Realtor® actually do?

You may be wondering why you need a Realtor® if you have an attorney. Let’s look at the differences.

  • Your agent will walk you through your specific situation, your options and what has worked for other buyers like you.
  • They are well connected and can connect you with their team of professionals, such as a lender, home inspector, attorney, title and escrow companies, home insurance companies, stagers, photographers, painters, electricians, cleaners, movers, the list goes on and on…
  • Your agent will have inside knowledge of what’s coming soon on the market – things you won’t know just by looking at homes online.
  • Your agent will show you homes and offer you insight into what’s happening in the community.
  • Your agent will run comparables on the home of your choice, negotiate on your behalf and ensure the transaction goes smoothly from start to finish.
  • Your agent will do the final walk through with you and attend the closing.
  • Above all, your agent will be representing you, and you alone.

Why get preapproved?

A Mortgage Pre-Approval identifies your “Buying Power”

In order to determine how much house you can afford, your interest rate, and your monthly payment, a lender will look at your assets, debts, income, and credit.

Your credit score is a key factor in obtaining a mortgage loan. Understanding how it is calculated and ways to improve it can secure your dream home. I know lenders who can offer some great tips on how to improve your score before you actually purchase a home, so it’s really important to connect with the right lender – someone who will hand hold you through the entire loan process, regardless of whether you end up getting a loan through them or not.

 

 

Types of mortgages you may come across

Fixed-rate mortgages have a set interest rate for the entire term of the loan.

Adjustable-rate mortgages have an interest rate that may change over time.

Government-backed loan are insured by the government, making them less risky for lenders and potentially easier to qualify for.

Not sure how to get started?

Not sure who to call? Let me help. I work with lenders every day and can share my experience.

As your local Westchester County agent, I’m here to answer your questions – whether you’re just thinking about buying a new home or are ready to take the leap. Please send me an email to [email protected] or give me a call at 914.826.5200.

Sabina  Huq

Sabina Huq

Hey everyone! I’m Sabina Huq! As a native of the UK, I’ve had the incredible fortune to move to this amazing country and have enjoyed living on both the West and East Coasts – and now I can’t imagine living anywhere else! I chose Ardsley in Westchester County as my home in 2017, and I haven’t looked back since!

I’m a real estate agent with a passion for educating the public through social media. I love exploring the myriad of things Westchester County has to offer including its restaurants, state parks and trails, and panoramic Hudson River views! In fact, one of my favorite places to visit is Untermyer Park & Gardens which is a historic 43-acre city public park, located in Yonkers and only 8 minutes from my home! If you’ve never been, you must check it out!

I also enjoy cooking and have my own recipe site called deshigrub.com, and I particularly enjoy trying to replicate dishes I’ve tried at restaurants! I like to think that every culinary accident is a new opportunity in the making! Oh and if you’re a foodie like me, download the Atmosfy app and follow me @onebiteandyourehuqd.

On the personal front, I’m a wife and a mom to a beautiful 6 year old daughter who was born with an extra chromosome; and I’m incredibly lucky that I live in Ardsley where Gigi’s Playhouse is located; a Down Syndrome Achievement Center where my family and I are active participants. It’s our comfy space!

So…that’s enough about me! Enjoy my website and I look forward to connecting with you! See you around town!

Sabina Huq
Licensed Real Estate Agent
NY License #10401362254
[email protected]
914.826.5200

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