{"id":4382,"date":"2020-12-24T19:06:56","date_gmt":"2020-12-25T01:06:56","guid":{"rendered":"https:\/\/theralphieandryanshow.com\/?p=4382"},"modified":"2022-01-16T16:03:22","modified_gmt":"2022-01-16T22:03:22","slug":"tips-for-first-time-home-buyers","status":"publish","type":"post","link":"https:\/\/box5915.temp.domains\/~theralph\/tips-for-first-time-home-buyers\/","title":{"rendered":"Tips for First Time Home Buyers"},"content":{"rendered":"\n<script charset=\"UTF-8\" type=\"text\/javascript\" id=\"idxwidgetsrc-23194\" src=\"\/\/homes.theralphieandryanshow.com\/idx\/carousel.php?widgetid=23194\"><\/script>\n\n\n\n<p><strong>Buying a home for the first time can be both exciting as well as challenging. It isn&#8217;t like going to a store and buying an expensive piece of jewelry with a single cash payment since there are numerous extra, fluid expenditures that you&#8217;ll need to keep track of and manage.<\/strong><\/p>\n\n\n\n<p>Making a wrong or an impulsive decision can severely affect your financial plans and result in you paying a mortgage that you&#8217;ll barely be able to afford. <\/p>\n\n\n\n<p><strong>Here are a few tips to help you on your journey to purchasing a home.<\/strong><\/p>\n\n\n\n<div class=\"wp-block-buttons alignfull is-horizontal is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-1 wp-block-buttons-is-layout-flex\"><\/div>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_69_1 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6729d7553f339\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6729d7553f339\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/box5915.temp.domains\/~theralph\/tips-for-first-time-home-buyers\/#1_Plan_Your_Budget_and_Pay_Off_Any_Outstanding_Debts\" title=\"1.&nbsp;Plan Your Budget and Pay Off Any Outstanding Debts\">1.&nbsp;Plan Your Budget and Pay Off Any Outstanding Debts<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/box5915.temp.domains\/~theralph\/tips-for-first-time-home-buyers\/#2_Find_a_Property_to_Match_Your_Budget\" title=\"2.&nbsp;Find a Property to Match Your Budget\">2.&nbsp;Find a Property to Match Your Budget<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/box5915.temp.domains\/~theralph\/tips-for-first-time-home-buyers\/#3_Narrow_Down_Your_Search_by_Finding_a_Desirable_Neighborhood\" title=\"3.&nbsp;Narrow Down Your Search by Finding a Desirable Neighborhood\">3.&nbsp;Narrow Down Your Search by Finding a Desirable Neighborhood<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/box5915.temp.domains\/~theralph\/tips-for-first-time-home-buyers\/#4_Attend_Open_Houses_and_Schedule_Private_Showings\" title=\"4.&nbsp;Attend Open Houses and Schedule Private Showings\">4.&nbsp;Attend Open Houses and Schedule Private Showings<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/box5915.temp.domains\/~theralph\/tips-for-first-time-home-buyers\/#5_Plan_Your_Mortgage\" title=\"5.&nbsp;Plan Your Mortgage\">5.&nbsp;Plan Your Mortgage<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/box5915.temp.domains\/~theralph\/tips-for-first-time-home-buyers\/#6_Have_Enough_Saved_to_Cover_the_Closing_Costs\" title=\"6.&nbsp;Have Enough Saved to Cover the Closing Costs\">6.&nbsp;Have Enough Saved to Cover the Closing Costs<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/box5915.temp.domains\/~theralph\/tips-for-first-time-home-buyers\/#With_Large_Investments_Come_Great_Responsibility\" title=\"With Large Investments Come Great Responsibility\">With Large Investments Come Great Responsibility<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/box5915.temp.domains\/~theralph\/tips-for-first-time-home-buyers\/#Have_Questions_Ask_The_Velasco_Reynolds_Team\" title=\"Have Questions? Ask The Velasco Reynolds Team!\">Have Questions? Ask The Velasco Reynolds Team!<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Plan_Your_Budget_and_Pay_Off_Any_Outstanding_Debts\"><\/span>1.&nbsp;Plan Your Budget and Pay Off Any Outstanding Debts<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Purchasing a home, even with a conservative budget, will run you tens of thousands of dollars<\/strong>. <a href=\"https:\/\/theralphieandryanshow.com\/how-to-sell-and-buy-a-house-at-the-same-time-in-chicago-illinois\/\" target=\"_blank\" rel=\"noopener\">Buying a house at a time<\/a> when you already have existing interests to pay would be a bad idea. <\/p>\n\n\n\n<p><strong>So, your decision to buy property should only be taken after you have cleared your outstanding debts. This will not only help you plan your budget but also reward you with a better credit score that will be exceptionally valuable down the line.<\/strong><\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large is-resized\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" data-src=\"https:\/\/i0.wp.com\/theralphieandryanshow.com\/wp-content\/uploads\/2020\/12\/buying-a-home-2-1024x666.jpg?resize=600%2C400&#038;ssl=1\" alt=\"\" class=\"wp-image-4385 lazyload\" width=\"600\" height=\"400\" data-srcset=\"https:\/\/i0.wp.com\/box5915.temp.domains\/~theralph\/wp-content\/uploads\/2020\/12\/buying-a-home-2.jpg?resize=600%2C400&amp;ssl=1 600w, https:\/\/i0.wp.com\/box5915.temp.domains\/~theralph\/wp-content\/uploads\/2020\/12\/buying-a-home-2.jpg?zoom=2&amp;resize=600%2C400 1200w\" data-sizes=\"(max-width: 600px) 100vw, 600px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600\/400;\" \/><noscript><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/theralphieandryanshow.com\/wp-content\/uploads\/2020\/12\/buying-a-home-2-1024x666.jpg?resize=600%2C400&#038;ssl=1\" alt=\"\" class=\"wp-image-4385\" width=\"600\" height=\"400\" srcset=\"https:\/\/i0.wp.com\/box5915.temp.domains\/~theralph\/wp-content\/uploads\/2020\/12\/buying-a-home-2.jpg?resize=600%2C400&amp;ssl=1 600w, https:\/\/i0.wp.com\/box5915.temp.domains\/~theralph\/wp-content\/uploads\/2020\/12\/buying-a-home-2.jpg?zoom=2&amp;resize=600%2C400 1200w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/noscript><\/figure><\/div>\n\n\n\n<p>When it comes to planning your budget, apart from the gross expense of buying the property, you&#8217;ll also have to take into account any miscellaneous expenses that might crop up during the purchase process. <\/p>\n\n\n\n<p><strong>These include attorney costs, agent&#8217;s commission fees, homeowner&#8217;s insurance, homeowner&#8217;s association fees (HOAs), online market analysis tools, and services. It is a good idea to keep a margin of 25% above and beyond what you plan to spend on a house for such expenses.<\/strong><\/p>\n\n\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Find_a_Property_to_Match_Your_Budget\"><\/span>2.&nbsp;Find a Property to Match Your Budget<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>This might sound as simple as searching online for Illinois properties that fall within your budget range, but it will rarely provide fruitful results.<strong> Before you begin your frantic search for properties online, you should have a decent idea of all the features that you&#8217;re looking for in your new home.<\/strong><\/p>\n\n\n\n<p class=\"has-background\" style=\"background-color:#f3f3f3\">This can include the number of rooms, bathrooms, the presence of a backyard\/patio or balcony.&nbsp; Once you have that, <strong>let your agent know so they can then use a multiple listing service (MLS) to create a listing for properties that match both your budget and your desired feature set.<\/strong><\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-2 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link\" href=\"https:\/\/theralphieandryanshow.com\/homes-for-sale\/naperville\/\" target=\"_blank\" rel=\"noopener\">Find All Available HOme for Sale In Naperville<\/a><\/div>\n<\/div>\n\n\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Narrow_Down_Your_Search_by_Finding_a_Desirable_Neighborhood\"><\/span>3.&nbsp;Narrow Down Your Search by Finding a Desirable Neighborhood<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Merely finding properties within your price range is not enough to make an informed purchasing decision. The next step to narrow down your search would be your choice of a neighborhood. <\/p>\n\n\n\n<p><strong>The following are some of the variables that determine a buyer&#8217;s choice of neighborhood according to a 2019 NAR survey:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li> <strong>Quality of Neighborhood<\/strong> &#8211; Most buyers decide on their choice of neighborhood according to its quality. <strong>The &#8220;quality&#8221; here can refer to security and crime rate, presence of convenience stores, demographic statistics, and availability of public transport.<\/strong><br><\/li><li> <strong>Convenient to Job-  After quality, <strong>buyers prefer a neighborhood that is either close to their job <a href=\"https:\/\/theralphieandryanshow.com\/the-1-rule-in-real-estate\/\" target=\"_blank\" rel=\"noopener\">location<\/a> or has a convenient, well connected public transport system<\/strong>.<\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Convenient to School<\/strong> &#8211;&nbsp; For homebuyers with families, <strong>the convenience of a neighborhood close to primary or secondary schools will take precedence over its convenience to jobs or shopping.<\/strong><\/li><\/ul>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large is-resized\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" data-src=\"https:\/\/i0.wp.com\/theralphieandryanshow.com\/wp-content\/uploads\/2020\/12\/neighborhood-1024x666.jpg?resize=600%2C400&#038;ssl=1\" alt=\"\" class=\"wp-image-4386 lazyload\" width=\"600\" height=\"400\" data-srcset=\"https:\/\/i0.wp.com\/box5915.temp.domains\/~theralph\/wp-content\/uploads\/2020\/12\/neighborhood.jpg?resize=600%2C400&amp;ssl=1 600w, https:\/\/i0.wp.com\/box5915.temp.domains\/~theralph\/wp-content\/uploads\/2020\/12\/neighborhood.jpg?zoom=2&amp;resize=600%2C400 1200w\" data-sizes=\"(max-width: 600px) 100vw, 600px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600\/400;\" \/><noscript><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/theralphieandryanshow.com\/wp-content\/uploads\/2020\/12\/neighborhood-1024x666.jpg?resize=600%2C400&#038;ssl=1\" alt=\"\" class=\"wp-image-4386\" width=\"600\" height=\"400\" srcset=\"https:\/\/i0.wp.com\/box5915.temp.domains\/~theralph\/wp-content\/uploads\/2020\/12\/neighborhood.jpg?resize=600%2C400&amp;ssl=1 600w, https:\/\/i0.wp.com\/box5915.temp.domains\/~theralph\/wp-content\/uploads\/2020\/12\/neighborhood.jpg?zoom=2&amp;resize=600%2C400 1200w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/noscript><\/figure><\/div>\n\n\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_Attend_Open_Houses_and_Schedule_Private_Showings\"><\/span>4.&nbsp;Attend Open Houses and Schedule Private Showings<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Attending open houses is a great way to get a feel for and learn more about your desired neighborhood. You&#8217;ll also get a good idea of the price range of the actively listed properties in that area.<\/strong> When you do narrow down your choices, this information will help you make a more competitive offer.<\/p>\n\n\n\n<p><strong><em>After you have narrowed your search down to a handful of choices, you should schedule private showings to learn more about them. <\/em><\/strong><\/p>\n\n\n\n<p><strong>During these private showings, make sure to enquire with the sellers, through their seller&#8217;s agent, on any defects or hazards that the house might have. <\/strong>This is important because, after the sale, you will have to pay for those repairs yourself.<\/p>\n\n\n\n<div class=\"wp-block-buttons alignwide is-horizontal is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-3 wp-block-buttons-is-layout-flex\"><\/div>\n\n\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_Plan_Your_Mortgage\"><\/span>5.&nbsp;Plan Your Mortgage<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Planning your mortgage is the single most crucial factor in the homebuying process. <\/strong>The first fundamental decision while obtaining a mortgage will be whether to go for a conventional loan or a government-backed mortgage plan.<\/p>\n\n\n\n<p><strong>FHA-backed loans are recommended for most middle-class home buyers since they not only have a lower credit score requirement but also require a lesser down payment as compared to 20% of the purchase price in the case of conventional loans.<\/strong> The caveat is that FHA loans will also require you to pay a mortgage insurance premium with your monthly payments that will drive up the costs in the long run.<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large is-resized\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" data-src=\"https:\/\/i0.wp.com\/theralphieandryanshow.com\/wp-content\/uploads\/2020\/12\/mortgage-4-1024x666.jpg?resize=600%2C400&#038;ssl=1\" alt=\"\" class=\"wp-image-4389 lazyload\" width=\"600\" height=\"400\" data-srcset=\"https:\/\/i0.wp.com\/box5915.temp.domains\/~theralph\/wp-content\/uploads\/2020\/12\/mortgage-4.jpg?resize=600%2C400&amp;ssl=1 600w, https:\/\/i0.wp.com\/box5915.temp.domains\/~theralph\/wp-content\/uploads\/2020\/12\/mortgage-4.jpg?zoom=2&amp;resize=600%2C400 1200w\" data-sizes=\"(max-width: 600px) 100vw, 600px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600\/400;\" \/><noscript><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/theralphieandryanshow.com\/wp-content\/uploads\/2020\/12\/mortgage-4-1024x666.jpg?resize=600%2C400&#038;ssl=1\" alt=\"\" class=\"wp-image-4389\" width=\"600\" height=\"400\" srcset=\"https:\/\/i0.wp.com\/box5915.temp.domains\/~theralph\/wp-content\/uploads\/2020\/12\/mortgage-4.jpg?resize=600%2C400&amp;ssl=1 600w, https:\/\/i0.wp.com\/box5915.temp.domains\/~theralph\/wp-content\/uploads\/2020\/12\/mortgage-4.jpg?zoom=2&amp;resize=600%2C400 1200w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/noscript><\/figure><\/div>\n\n\n\n<p>After deciding on the loan type, you&#8217;ll need to make a decision on the type of interest. These can either be fixed-rate or adjustable-rate mortgages (ARMs). <strong>Fixed-rate mortgages generally have a higher rate of interest than ARMs, but they do not change with market conditions and are much more stable in the long run.<\/strong><\/p>\n\n\n\n<p>To get the most out of your money, a conventional 15-year fixed-rate mortgage plan is recommended as compared to a 30-year plan since opting for the latter will result in you paying a lot more in the long run.<\/p>\n\n\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"6_Have_Enough_Saved_to_Cover_the_Closing_Costs\"><\/span>6.&nbsp;Have Enough Saved to Cover the Closing Costs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>A critical mistake many first-time homebuyers make is not taking closing costs into account while planning their budget.<\/strong> This results in unnecessary complications during the mortgage approval process. Closing costs represent the additional expenses required to finalize a mortgage. These include:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Appraisal and Home Inspection Fees<\/strong><\/li><li><strong>Homeowner&#8217;s Insurance Fees<\/strong><\/li><li><strong>Closing Attorney Fees (for Illinois)<\/strong><\/li><li><strong>Credit Check Fees<\/strong><\/li><li><strong>Title Insurance Fees<\/strong><\/li><\/ul>\n\n\n\n<p>As a general rule of thumb, <strong>the closing costs will set you back 3.5-4% of the purchase price of your home. <\/strong>You&#8217;ll get an estimate of the closing costs in the Loan Estimate that lenders are required by law to provide you when you submit your mortgage application.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-4 wp-block-buttons-is-layout-flex\"><\/div>\n\n\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"With_Large_Investments_Come_Great_Responsibility\"><\/span>With Large Investments Come Great Responsibility<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Buying property involves dealing with large sums of money and financial negotiations. <\/strong>While it is a somewhat complicated process, it can be quite overwhelming if you&#8217;re doing it for the first time. <strong>Make the best of the above tips as a starting point for your own home buying journey for your dream home!<\/strong><\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large is-resized\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" data-src=\"https:\/\/i0.wp.com\/theralphieandryanshow.com\/wp-content\/uploads\/2020\/12\/buy-home-3-1024x666.jpg?resize=600%2C400&#038;ssl=1\" alt=\"\" class=\"wp-image-4390 lazyload\" width=\"600\" height=\"400\" data-srcset=\"https:\/\/i0.wp.com\/box5915.temp.domains\/~theralph\/wp-content\/uploads\/2020\/12\/buy-home-3.jpg?resize=600%2C400&amp;ssl=1 600w, https:\/\/i0.wp.com\/box5915.temp.domains\/~theralph\/wp-content\/uploads\/2020\/12\/buy-home-3.jpg?zoom=2&amp;resize=600%2C400 1200w\" data-sizes=\"(max-width: 600px) 100vw, 600px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600\/400;\" \/><noscript><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/theralphieandryanshow.com\/wp-content\/uploads\/2020\/12\/buy-home-3-1024x666.jpg?resize=600%2C400&#038;ssl=1\" alt=\"\" class=\"wp-image-4390\" width=\"600\" height=\"400\" srcset=\"https:\/\/i0.wp.com\/box5915.temp.domains\/~theralph\/wp-content\/uploads\/2020\/12\/buy-home-3.jpg?resize=600%2C400&amp;ssl=1 600w, https:\/\/i0.wp.com\/box5915.temp.domains\/~theralph\/wp-content\/uploads\/2020\/12\/buy-home-3.jpg?zoom=2&amp;resize=600%2C400 1200w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/noscript><\/figure><\/div>\n\n\n\n\n\n<div style=\"text-align:center\" class=\"wp-block-genesis-blocks-gb-cta gb-block-cta\"><div class=\"gb-cta-content\"><h2 class=\"gb-cta-title gb-font-size-32\" style=\"color:#32373c\"><span class=\"ez-toc-section\" id=\"Have_Questions_Ask_The_Velasco_Reynolds_Team\"><\/span>Have Questions? Ask The Velasco Reynolds Team! <span class=\"ez-toc-section-end\"><\/span><\/h2><div class=\"gb-cta-text gb-font-size-32\" style=\"color:#32373c\"><p>Give us a call to learn more about local areas, discuss selling a house, or tour available homes for sale.<\/p><\/div><\/div><div class=\"gb-cta-button\"><a href=\"tel:+ 16305349357\" target=\"_self\" rel=\"noopener noreferrer\" class=\"gb-button gb-button-shape-rounded gb-button-size-medium\" style=\"color:#ffffff;background-color:#3373dc\">1-630-534-9357<\/a><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Buying a home for the first time can be both exciting as well as challenging. It isn&#8217;t like going to a store and buying an expensive piece of jewelry with a single cash payment since there are numerous extra, fluid expenditures that you&#8217;ll need to keep track of and manage.<\/p>\n<p><a href=\"https:\/\/box5915.temp.domains\/~theralph\/tips-for-first-time-home-buyers\/\" class=\"more-link\" title=\"Read More\">Read More<\/a><\/p>","protected":false},"author":3,"featured_media":4384,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","om_disable_all_campaigns":false,"rank_math_lock_modified_date":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","_glsr_average":0,"_glsr_ranking":0,"_glsr_reviews":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[36,137],"tags":[],"class_list":{"0":"post-4382","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-buying-a-home","8":"category-home-buyer-guides","9":"entry"},"aioseo_notices":[],"jetpack_sharing_enabled":true,"featured_image_src":"https:\/\/i0.wp.com\/box5915.temp.domains\/~theralph\/wp-content\/uploads\/2020\/12\/buying-a-home-1.jpg?resize=600%2C400&ssl=1","featured_image_src_square":"https:\/\/i0.wp.com\/box5915.temp.domains\/~theralph\/wp-content\/uploads\/2020\/12\/buying-a-home-1.jpg?resize=600%2C600&ssl=1","author_info":{"display_name":"Rafael Velasco","author_link":"https:\/\/box5915.temp.domains\/~theralph\/author\/rafael-velasco\/"},"jetpack_featured_media_url":"https:\/\/i0.wp.com\/box5915.temp.domains\/~theralph\/wp-content\/uploads\/2020\/12\/buying-a-home-1.jpg?fit=1200%2C780&ssl=1","_links":{"self":[{"href":"https:\/\/box5915.temp.domains\/~theralph\/wp-json\/wp\/v2\/posts\/4382"}],"collection":[{"href":"https:\/\/box5915.temp.domains\/~theralph\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/box5915.temp.domains\/~theralph\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/box5915.temp.domains\/~theralph\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/box5915.temp.domains\/~theralph\/wp-json\/wp\/v2\/comments?post=4382"}],"version-history":[{"count":8,"href":"https:\/\/box5915.temp.domains\/~theralph\/wp-json\/wp\/v2\/posts\/4382\/revisions"}],"predecessor-version":[{"id":9572,"href":"https:\/\/box5915.temp.domains\/~theralph\/wp-json\/wp\/v2\/posts\/4382\/revisions\/9572"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/box5915.temp.domains\/~theralph\/wp-json\/wp\/v2\/media\/4384"}],"wp:attachment":[{"href":"https:\/\/box5915.temp.domains\/~theralph\/wp-json\/wp\/v2\/media?parent=4382"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/box5915.temp.domains\/~theralph\/wp-json\/wp\/v2\/categories?post=4382"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/box5915.temp.domains\/~theralph\/wp-json\/wp\/v2\/tags?post=4382"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}