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January 23, 2017
Snow Covered Home

Historically, winter is a great time to buy a home.  There is less competition, fewer other buyers, and people who are selling generally are motivated to take your offer.

However, that doesn’t mean that it’s a perfect time to buy.  There are problems from winter that you don’t see in any other season and can hinder your process.  Here are three tips to winter home buying.

Don’t Get Yourself Into Holiday Problems

Buyers in winter may have images of a warm home for the holidays with their whole family in the house with you, but that can be a tough sell right before the holidays.  With the other bills you have to deal with, you can build up a lot of debt in a hurry.  This can mess up your debt-to-income ratio and possibly botch your sale.  Don’t let buying your kid a PlayStation cost you a house.  Budget for the purchases and you can succeed at both.

Visualize The Home You Want

Take a hard look at the home you’re looking at.  You may have to visualize what it’s going to look like, since the landscaping may be dead or covered in snow and ice.  Don’t turn a house down that you love because you can’t visualize what it will be in the summer.  Ask for pictures of the home in its optimal state to get an idea of what you’re dealing with.

Imagine the home you want and pretend that the flowers are blooming and leaves are on the trees, and you can figure out if you love it or not.

Be Flexible

It’s winter.  You’re going to deal with delays and issues with viewings and schedules.  Don’t bail on a house because a viewing gets cancelled.  Understand that winter makes a fool of anyone who schedules anything in the winter.  Nobody wants to drive through hazardous conditions to view a home they could see on a safer day.

Understand that winter will mess with your schedule, and you’ll be happier.

Get Started

If you’re ready to buy this winter, call us in St. Louis at (314) 781-9700, Chicago at (773) 770-4727, Indianapolis at (317) 550-1515 or Nashville at (615) 810-8555.  You can always apply online at, and we’re also open on Saturdays to better serve you. We work hard to make it easy on you.  Nobody gets lower rates on better loans than The Home Loan Expert, Ryan Kelley, why go anywhere else?