Ames Team Utah

Buyer's Guide

Imagine your Southern Utah dream home. Explore our resources below to make it a reality.

Live your Lifestyle

Buyer's Checklist

Choose a checklist item to learn more about it.

Determine How Much House You Can Afford

Consider what your monthly payments are currently and what the new monthly payments will be after purchasing a home. Key factors will include your monthly income, monthly debts, your credit score and how much money you’ll need at closing.

Get Pre-Approved For a Mortgage

Getting a pre-approval for a mortgage means that a trusted lender has reviewed your income, expenses, debts, and credit score and has conditionally agreed to provide you a set amount of funds for a mortgage loan. This step will enable you to start looking for a home at or below that price level with full confidence.

Start Searching For a Home

Time to start house hunting! Work with one of our experienced realtors to help you find the home of your dreams! You can start by checking homes online here.

Find a Realtor

Looking for the right guidance and expertise to help you find the best home? We have the most experienced realtors and agents that are passionate about helping clients with their real estate needs. Find a realtor by going here!

Touring Homes with Your Realtor

We suggest you not only search for homes online but make appointments with your realtor to visit homes in person. This can help you determine the home features that are most important to you. We also suggest you ask plenty of questions while touring homes.

Submit an Offer

Now that you have found your perfect home, it’s time to make an offer! Your realtor can help prepare your offer. This includes your offer price, establishing contingencies, getting the disclosures, and determining a closing timeline. In the event a seller presents a counteroffer, be prepared to negotiate the purchase price of the home.

Get a Home Inspection

Getting a home inspection will help you identify any issues with your desired home and determine if you’ll be needing repairs that need to be addressed before closing and what future projects you might need to take on as the new home owner.

Get an Appraisal

An appraisal provides you an estimate value of your home from a professional appraiser. Lenders require an appraisal before issuing a mortgage.

Closing the Sale

Woohoo! On closing day, all parties, you and the seller, will sign the papers to officially close the deal, and ownership of the property will be transferred to you. 

Buying a home for the first time?

Download our free essential guide to access the best tips when buying your first home

Buyer's FAQ

How much house can I afford?

There are several ways for you to find out how much home you can afford. You can connect with any of our approved lenders by going here. You can also try out free and easy to use mortgage calculator

Should I get pre-approved before looking at homes?

Yes, we suggest you seek a pre-approval before searching for homes. The benefit of this is you will know how much home you can afford so you can search for a home that fits your budget and lifestyle. 

What if I have a low credit score? Will I still be able to buy a home?

Credit problems may make it harder to quality, but it doesn’t mean it is impossible. There are many programs available for those who have less than perfect credit scores. Contact us and we will provide you with the best options!

How much of a down payment do I need to purchase a home?

This depends on the overall purchase price of your desired home. If you are worried about not having enough of a down payment saved, don’t let that stop you from pursuing your options. There are programs available to help you purchase a home even if you might have little to no down. Contact us and we will contact you with one of our approved lenders. 

What is earnest money and how much is enough?

Earnest money is the amount of money you put down to showcase your dedication to buying a particular house to the seller. The amount of earnest money you should offer ultimately depends on the real estate market you have in mind and the desired property. 

how do i finance a home? Do you know any lenders?

Financing a home doesn’t have to be stressful. We work with approved lenders that can walk you through the process of financing your dream home. You can go here to get started.

Looking for your Dream Home?

Additional Tips and Resources

Choose a tip to learn more about it.

Here are 5 Things to Look For When Purchasing a Home

Prioritize the locations, search for the right price, assess the property’s overall condition, don’t focus on minor aesthetic details and stick with what you must-have.

Get Pre-Approved for your Home Loan

Getting pre-approved means a lender has reviewed all of your financial information and made you aware of how much you can afford and how much they will lend you. This will save you a lot of time and energy so you’re not looking at homes you cannot afford.

Don't Try to Predict the Market

If you are ready to purchase a home, don’t worry about waiting for the perfect time in the market. Trying to predict the most optimal housing market is impossible. The best time to purchase a house is when you can afford to.