Advice from Heloise: the home buying process | Connect


Dear readers: Lots of people are buying homes right now! Whether it’s because of our 40s and realizing how small or ill-suited our current homes are, or if it’s because interest rates are low, now is a good time to consider home ownership. to the property.

Let’s start a series on the 411 of buying a home. What are the steps to buying a house? We’ll take a look:

• Get prequalified for a mortgage to determine how much home you can afford. Prequalification determines the upper limit of a loan for which you are eligible. You will provide an overview of your financial history to the lender. This will include your income, assets, debts, and credit score. (A pre-approval is much the same thing, but it requires documentation and verification.)

• Meet with a real estate agent and search for the perfect home.

• Make an offer on a property you love, negotiate and sign a purchase contract.

• Following? Here is the home inspection and appraisal.

• Now your house is under subscription; its progress is monitored by your loan officer.

• To finish? Your loan is approved; the deal is done. Sign up on the dotted line, transfer the dollars and move in! Shout!

Next week, we’ll take a look at the dos and don’ts of crunching and cleaning up your credit before you run your home groceries. – Heloise

Dear Héloïse, You write about learning tech, maybe tech challenged like me – haha! But my clue? Just walk away. Turn off cell phone, laptop, desk, TV, headphones and go outside.

Listen to the birdsong, throw the ball for the dog, feel the breeze on your skin and the sun on your face. Do this for at least 30 minutes a day. – Martha A. in Utah

Martha, I totally agree with that. – Heloise

Dear Héloïse, I am a teacher and I teach remotely now with the COVID situation. My students communicate with me primarily through email and I would like to share some tips on email etiquette.

First, the subject line: two to three words describing the reason for the email. For example, “Missing homework” or “Homework question”.

Then a nice greeting: “Hello Mrs. Smith”, “Good Morning” or similar. Then state the reason for the email: “I am confused by …” or “I am writing to you because …” Then a nice conclusion, like “Thank you” or “Have a nice day”. Finally, sign your name!

Grammar gurus will agree: Always use proper grammar, punctuation, capitalization and spelling, and spell words; don’t use pretty abbreviations like “ur” or “plz”. These are also good habits to adopt for future professional writing. – Mrs. Smith, San Antonio, Texas

Dear Héloïse, My advice is to make it easier for you when you get your COVID vaccine, when it comes to clothing. Loose and ventilated sleeves, tank tops and even these “cold shoulder” style tops provide easy access for health care providers to administer the vaccine. – Becky F. in Ohio

Fellas, short sleeves or tank tops for you. Long, rolled up sleeves are too bulky. – Heloise

Send a hint to save money or time to Heloise, PO Box 795001, San Antonio, Texas 78279-5001, or you can fax it to 1-210-HELOISE or email it to Heloise @

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