Posted on Aug 7, 2022
SGT Automated Logistical Specialist
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I would like to buy a home( not right now) but I have no knowledge on what to do. I was born and raised in the south bronx of New York City surrounded by others who's knowledge and drive is limited to the comfortability of remaining where they are...apartment buildings that are in poor conditions. I'm in my mid 30s with 2 sons who I want provide a house for. Even if I don't make this happen I would like to have the steps on how to buy a home so I can write it and give them the blueprint for the future generations of my family.
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Responses: 11
Cpl Vic Burk
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Have the home inspected by a licensed inspector. They will know what to look for and find the issues to determine if the home is still worth buying and, so you don't have to fix them after you buy the home. Money well spent.
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Lt Col Charlie Brown
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Start with building a savings account that will become your down payment. I also suggest you do a little research into what is involved in getting and maintaining a mortgage and a home...what sort of bills. Find a bank you trust (or a credit union- I recommend Navy Federal as they are in all 50 states and work with VA loans all the time but there are others as well) and many of them have checklists you can use. There are also calculators that will tell you how much "house" you can afford based on your income and other bills. Learn the "language" What's an escrow account? What is it used for? Stuff like that.
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SFC Casey O'Mally
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SFC Jordan Surringer gave an excellent checklist. The others have added some important thoughts (never thought to target home hunting in the rain, but that is genius!).

The only thing I would add which hasn't been mentioned, is making a very good list of needs and wants - and prioritize the wants.

When I was home hunting, schools were my absolute highest priority. I researched schools FIRST. I found what school district I wanted to be in, then I gave my realtor a list of my wants, and told here I would only look at homes zoned for that school.

Figure out what you cannot do without FIRST, and do not budge on it. It may take more time, but this is a long-term investment; you want to get it right.
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