Your realtor should be able to help you decide whether or not the home is truly affordable and within your means. They can point you in the direction of a reliable online affordability calculator, but they can also help by listing all the known costs that come with the house. Home owners insurance, property taxes, typical monthly electrical bills of past owners, home association fees etc… These are all items that must be included in your affordability calculations. Buy smart and don’t dive into something that ends up drowning you in debt. This is the most stressful part of the entire home buying process. Here is where you hand it all over to the realtor and expect them to negotiate like a shark. But here’s the thing— the higher the selling price, the higher the commission for the relator. Did your realtor tell you this? We doubt it; its up to you to know these little facts.
Do your research before meeting with an interior designer or decorator. Ask yourself what you want your space to become and what it will be used for. Figure out the extent of what you need help with, what your must-haves are and what your budget is. Interior design services can add up fast, so be up front with a potential design firm or individual from the beginning. Also, pick a home decorator that fits your style. Browse through the portfolios of different home design firms and decide if you would live in those houses. Just because you like something doesn’t mean you could live in it. There is a big difference!. The scales are already balanced against getting the best price (unless your realtor takes a flat fee no matter the selling price— and not many do). How do you fix this? You need to stay firm when it comes time to barter the price. Have a number in your head that you are willing to pay and stick to it. Don’t allow anyone to negotiate a price that you are uncomfortable with and be willing to walk away if you don’t get what you want. Keep emotions at bay and know there are always other houses on the market if you lose this one.
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