What to Consider Before Purchasing a Home

Buying a home is part of the American dream. It is an exciting process with a lot of factors to consider. And those factors extend to much more than deciding which homes in Charlotte NC community to live in, how much square feet you will need, and how many bedrooms you should have. These are the things you should consider before purchasing a home.

Know and understand the importance of your credit score – Your credit score is one of the most important determining factors of the type of mortgage and interest rate you can secure. Knowing your credit score will let you know where you stand and what you need to repair and/or improve your score. You should also look for any discrepancies that may be on your credit report and look to clear those up. The higher the score the more likely you are to receive a lower interest rate.
Get pre-approved by a lender – Before starting your house hunt it is important to know how much house you can afford. That way you do not fall in love with something that is out of your budget. Plus, you will also get an idea of what the loan amount will be as well as the interest rate.
Decide on how much are you comfortable spending – The pre-approval letter will let you know how much house you can afford. But you should only spend what you are comfortable with. Take into account your finances, debt-to-income ratio, student loans, car loans, and other monthly expenses that you will have to make.
Reduce your expenses and debt – It is important to try to reduce and/or eliminate any debts you may have. This will help you improve your debt-to-income ratio. Also look at any expenses that are not necessary such as gym memberships, video streaming services, or even eating out.
Save for a down payment – Most buyers put down at least 20 percent of the total cost of a home. Save for your down payment in addition to closing costs and other expenses that you may incur when purchasing a home.
Narrow down the location – Do you prefer living closer to the city center or do you want something more suburban? How far do you want your commute to be? Would you like to live close to shopping, entertainment, and restaurants? Consider what you would like in a community and pick one that fits your needs.
Select a home that suits your current lifestyle and your future lifestyle – Are you interested in a townhome or single-family home? Do you have a growing family or intend to have one? Will the in-laws be moving in or will you be empty nesters soon? Do not buy a home based on today. Do you need office space? How big of a yard do you want? Think about today as well as the future and purchase a home based on your future lifestyle as well.

Before buying your home, it is also important to be able to envision yourself in it. Contact Vista Homes today at 704-594-4174 or by email at sales@vistahomesclt.com to learn about our available homes that are now selling.

“We have been so pleased with our new Vista home! The floorplan and finishes were exactly what we were looking for in a new home in NoDa. The project managers, sales coordinator, and other services we received in regards to our home were top-notch. Special thanks to Ariel, who addressed every detail and made it all so perfect! Thank you Vista Homes for building just where we wanted to be! We couldn’t be happier with our new home.”

Melissa L.
"The entire Vista Team is top notch. They are extremely detailed, responsive, communicative, and they care. Vista and team go above and beyond to make sure you have a great experience and they want you to be happy with your new home. I have worked with Vista on a few new builds and I will continue to refer my clients to them."

Anne M.
"I used Vista Homes to purchase my very first home and from beginning to end the process was seamless. I had biweekly calls with Chandler (the best there ever was) where she gave me updates and was super transparent about everything. Every single update was communicated effectively via email or on our calls! I was SO impressed. Never did I feel left out or unsure about what was happening during the building process. Then there is Mariessa... whenever I had a random odd question she always had an answer. Needless to say I had a fantastic experience with my first home and I would highly recommend Vista!"

Brantley B.
"Vista Homes builds their homes with no detail left behind. The homes are crafted with not only high-end finishes but with a family’s every day use in mind. They utilize every sqft to maximize your needs. The process from start to finish was nothing less than enjoyable. Mariessa and Chandler were both absolutely wonderful to work with and I’m so thankful I chose a Vista Home."

Hali E.
“We have been in our Vista Home for over a year and still can't believe we’re fortunate enough to live here! Vista provided us with our dream home at an incredible value. A recent appraisal estimates that we have gained $70k in equity already. If you are looking for a beautiful, quality home in some of the hottest areas in Charlotte. I highly recommend you look at a Vista home."

David S. and Catherine C.
“After working with Vista Homes for over two years and being a part of hundreds of custom home builders in Charlotte, I can say there is not another builder with the talent and processes to ensure a quality build from start to finish like Vista Homes. With their understanding of the Charlotte real estate market, current construction standards, and systems to ensure a quality product. The value Vista Homes provides for their customers is unmatched.”

Michael A.
"Vista (specifically Chandler and Mariessa) were amazing to work with. They kept me informed throughout the process and answered my million questions. I would highly recommend them to anyone! I felt very informed and kept up to date on everything happening throughout the process. They were also super flexible in working around my schedule."

Kelsey P.
“During the homebuying process, we came across what is now our beautiful Vista home. We spent countless days and nights researching and making sure we were making the best decision possible. The process was made easier by all of the help provided by Vista Homes and their fantastic team. They’ve held up their end of the bargain and still, even after a year plus, have been helpful in resolving any issues I have had. We would definitely recommend working with Vista Homes!”

David R.
“Quality was top notch and our home was completed ahead of schedule. Communication and transparency were amazing. Mariessa and Chandler also went above and beyond to answer all of our questions and make sure any concerns were addressed. We are so grateful to have worked with Mariessa, Chandler, and the rest of the Vista team.”

John P. and Karina V.
“We love our Vista home! The Vista team was easy to work with and very responsive. We found our own lot and worked with Vista to build on it. It was perfect, as we were able to save some costs compared to a custom build and not have to stress about every little detail. We get complimented often on the quality of our finishes, fixtures, and appliances, which are all standard in Vista homes!”

Nicole B.
“Can I give 10 stars?! Vista Homes is by far my vote for the best quality, most honest, and overall most knowledgeable builder in the Charlotte area. I have completed probably a dozen deals with Vista and each experience is somehow better than the last! The whole team is great- everyone from ownership, sales people, admin/office crew to contractors. Anyone looking for the best possible experience when building a new home should without a doubt call these guys!”

Garrett K.
“For over 20 years, I have worked with clients buying new construction homes in Charlotte. If you are looking for a home in the area, reach out to Vista Homes. They build beautiful, high quality homes at a reasonable price for all that they offer. Despite being in thousands of homes in and around the region, I’m still in awe every time I pull up to a Vista property. Just gorgeous!”

Tim A.