February 23, 2007

Homebuying Tip: Buy or Sell - Which Comes First?

Homebuying Tip: Buy or Sell - Which Comes First?

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In our continuing effort to help you be as informed and knowledgable as possible about the home buying process, we offer this important advice.

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Buy or Sell… Which Comes First?

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If you're looking to move up or down in the real estate market, this is a major concern.� Do you try to sell your current home before you purchase, or should you buy a new home and then sell your current one?� After all, you don't want to be without a place to live, should your present home sell before you find a replacement house.

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Research short-term rental and storage options (family, friends, storage facilities, containers).� Talk to school officials in your new neighborhood.� They may allow your children to start the next semester in what will be their new school, if you have an offer pending in the neighborhood.

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Finding a new home while you still own your present home could also present some financing issues.� One of those issues could be helped with the use of what is know as "Bridge Financing."

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Bridge financing is a loan for the down payment on a new home backed by the equity in your old house, typically at prime plus two percentage points.� While helpful in certain circumstances, bridge financing can be expensive.� If you have good credit but your income isn't high enough for you to qualify to carry a bridge loan plus both mortgage payments, consider a no-ratio mortgage, which doesn't take into account your debt-to-income ratio.� Rates are higher but you can refinance later.

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Another alternative would be to draw on a home equity line of credit on your old home.� Rates are often more than a point lower than on bridge loans.� But be careful, you might have to pay a penalty fee if you sell the house less than a year after taking out the line of credit.

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If there is any area of the home buying process that you have a question about and would like for us to post a tip about it here, leave us a comment or question below and we'll cover that for you in a future post.

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