THE MALTESE HARBOUR 
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Buying a Home in malta Understanding what is required of you and every other person involved in the home buying process will help you feel more comfortable and confident as you go on this exciting journey. You can use this step-by- step home buying guide to get started. Step1: Getting your finances in order Credit reports reveal how you manage your finances. You should know what your credit reports say about your financial history before you apply for a home loan so there won't be any unpleasant surprises. Credit Reports play an important role in the mortgage approval process and often determine the interest rate and other loan terms that a lender may offer you. Step2: Explore the mortgage industry Finding the right loan and the right lender is critical to your home buying success. It's up to you to choose which lender is best for your needs. It's always a good idea to have at least some background about the loan process before talking to a lender. Should you choose me to be your real estate agent, I will be delighted to help you with this process. Step3: Get pre-Approved for a mortgage Talk with a lender to determine how much house you can afford. Having a letter of pre-approval can significantly increase your chances of being selected as a potential buyer. A home seller who receives similar offers is much more inclined to choose the buyer who is accompanied by a letter from his/her bank that states he/she is pre-approved for a mortgage. Step4: Decide your wants and your needs Buying a house is exciting and not as difficult as you might anticipate. As there are hundredth of homes on the market at any given time, the process will go much smoother if you get familiar with your area and narrow down your wants and your needs before you start looking at homes. Step5: Choose a professional real estate agent Real estate agents represent buyers, sellers, or sometimes both, as they can work as neutral facilitators for either party. It's essential to understand your agent's duties and loyalties before you make that first call. I would be delighted to be your agent and promise to negotiate the lowest price for the most perfect home for you. Regards Leslie Pavia
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