Buying a home requires a lot of time and effort. It's easy to get overwhelmed with the process you have to go through.

Buying a home in Lewisburg, West Virginia involves a series of processes:

1. Get pre-approved for a mortgage loan.

2. Decide what kind of house you would like.

3. Find an experienced real estate agent.

4. Conduct home inspection and appraisal.

5. Close the deal.

This article will talk about each step in detail.

1. Get pre-approved for a mortgage loan.

The first step in buying your Lewisburg home is to make sure you are confident enough with your financial stability. Knowing if you’re ready to get a new house is easy. Chop off the portion of your regular income that you think you can shell out for mortgage. Then see if that is more than the median home value in the area.

West Virginia, by the way, has the lowest median home value throughout the US. You will not have a hard time finding a beautiful Lewisburg home you can afford. The next step is to secure the money to finance it. This is not just about making sure you have money for downpayment but also the regular income to sustain the mortgage costs.

This is where getting pre-approved for a loan comes into play. Most homebuyers do not have enough cash on hand to pay for the full price of the home. 97% of home sales involve a mortgage loan. Unless you are able to pay for the house full price upon closing, a lender’s approval is necessary. Lenders usually require good credit and a steady income that’s more than the monthly mortgage payment.

2. Decide what kind of house you would like.

The home buying process is quite like grocery shopping. Most of us write down everything we need to buy before heading out to the nearest grocery store. Doing this helps us stick to our budget and make sure we won't be missing anything. The same is true with buying a house in Lewisburg. Listing your dream home must-haves helps you figure out your budget. And it quickly narrows down where you want to search too.

There are going to be some general details you'll likely want in your home. These may include a spacious kitchen, a certain number of bedrooms, or an excellent patio view. You can make it more specific, but make sure to avoid things that don't matter. These are things you can live without or change once you get the property. The bathroom fixtures' color isn't as necessary as having enough ventilation.

3. Find an experienced Lewisburg, WV real estate agent.

Consulting a professional is crucial for the homebuying process. A realtor will make the homebuying process more manageable for you. They have a wide network and know where the best deals are. They have the best recommendations when it comes to Lewisburg WV homes that match your preference and budget. A local expert is going to be your best resource!

Many home buyers dislike the paperwork and negotiations home buying entails. Inevitably, it is a necessary piece for any real estate transaction. Having a professional to help you with these makes things less tedious. It's also part of making sure everything is going the way it is supposed to. A trait to look for in your real estate agent is a good track record. Check the realtor’s sold listings and the feedback of his or her clients. It's easier to trust someone who is proven to be good at what they do.

When seeking an agent, finding the best one shouldn't be a matter of cost, given that the seller will most likely pay their commission fees. Lewisburg WV is one of the best places to buy a home. Without the help of an expert, you might jeopardize the entire transaction.

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4. Conduct home inspection and appraisal.

A home appraisal determines the home's value. On the other hand, a home inspection determines the condition of the house. They benefit you because they ensure that the home is worth what you'll be paying and that is it safe.

Conducting an appraisal and inspection helps you feel secure in your decision to buy the house or walk away from the deal. The appraisal is done by the mortgage company. The appraisal and home inspection costs are usually shouldered by the buyer. However, there are times when a seller could choose to pay for either or both of these costs.

A home appraisal determines the value of the home you're planning to buy based on several factors including the home's features, the current market, and the sales of similar homes in the area. It is done by a qualified appraiser, sent by the mortgage company. Getting pre-approved shows sellers that you won't have trouble financing. As a result, you have a higher chance of scoring your dream home just in case you have competitors for the property. An appraiser checks comparable home prices, lot size, and home features. The lender approving the mortgage will use these findings.

A home inspector will examine if the home you're planning to buy is up to code standards. He will also determine if there are health and safety hazards, major mechanical issues, or structural defects in your home. It will help you decide if the Lewisburg WV home you're eyeing is really for you.

5. Close the deal.

You might think this will be the easiest part of buying a home in Lewisburg, WV. Most homebuyers think of this part as signing a one-page document. Some may imagine taking pictures while holding the key to their new house. The closing process is straightforward, but there are many associated costs and paperwork that come with closing on a home.

During the closing, all necessary parties should be present, and their identity should be verified. Other requirements include finalized documents, financial calculations, and adjustments. The home buyer typically pays fees to record the deed and the mortgage. Expenses also include escrow fees and title fees.

Looking at these requirements and expenses might overwhelm you. The steps in closing the home sale may not be that easy after all. Real estate agents know that buying real estate can get very complicated. But it boils down to one word: expertise. If you need an expert in finding the best Lewisburg WV home for you, call me, Rebecca Gaujot, at 304-520-2133.

Maybe you’re wondering if it is a smart move to buy a home in Lewisburg, WV. Frommer's Budget Travel Magazine named Lewisburg as "America's Coolest Town."

And if that isn't enough to convince you, we have listed  5 reasons why buying a home in Lewisburg is a great choice.

Many homebuyers choose Lewisburg, West Virginia because of the following reasons:

1.  The privilege to have a home near historical landmarks.

2.  Beautiful views.

3.  Wide range of affordable home choices.

4.  Affordable cost of living

5.  Safe community

According to the U.S. Census 2019, Lewisburg has added 1,400 people in the last 20 years. These numbers are continually growing. It is easy to see why a lot of home buyers want to move here.

Affordability and community are the two main things that most Americans consider when buying a home. Based on these factors, more and more people are choosing Lewisburg as their home.

Let's look further at each reason we've listed for buying a home in Lewisburg.

1. The privilege to have a home near historical landmarks.

Located in the picturesque county of Greenbrier, Lewisburg is indeed a must-see. One of the attractions that make tourists travel to this city is the many historical landmarks. The city's chest of historic treasures includes century-old theatres and museums.

You will find almost every historic architectural style you can imagine. These designs and styles range from Victorian Gothic to Mid-Century Modern. A lot of residential homes can have those fantastic styles too. A day tour is not enough to see everything that the city offers. 

If you live in or near Lewisburg, you have a lot of time to explore the gem that Lewisburg is. To entice you a little more, we made a brief itinerary for you:

• Theaters. This city of 3800 plus residents is home to one of the four Carnegie Halls in the world. This world-renowned auditorium is a popular tourist attraction. Watching artistic performances is something to look forward to once you are a new town resident. And since you're only a few minutes drive away, you can conveniently visit them anytime. Lewis Theatre and Greenbrier Valley Theatre are in Lewisburg too.

• Museums. If theaters are not your thing, there are plenty of museums here too. The famous Greenbrier Historical Social and North House Museum are in Lewisburg also. Are you a history buff? If yes, you are in luck! There is so much history here in Lewisburg.
• Art Galleries. A place known to be big on the arts would most likely have many art galleries. Exhibits are abundant in Lewisburg for enthusiasts. Carnegie Hall has a section for art displays too. It will be a good idea to check this out before you watch a live performance.
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 2. Beautiful views.

Lewisburg is lucky to be located in one of the country's scenic states. West Virginia is called "Mountain State" for a reason. Its location is within the Appalachian Mountains region, and it's right next to the Mississippi River. Rivers and mountains right next to each other are a glimpse of heaven on earth.

Several of the famous sights in the Mountain State are notable for their natural beauty. A lot of those breath-taking views are in Lewisburg.

Imagine paradise being a few blocks away from your doorstep. Heaven on earth, indeed!

The Lost World Caverns is one of the popular attractions in Lewisburg. Visitors here descend 120 feet below the ground into a century-old cavern. The deep parts of the cave reveal big and glowing stalactites. The Lost World Caverns is one of the many places you will get to visit while living here.

3. Wide range of affordable home choices.

The city has a median home value of around $30,000 lower than the country's average. There is no question of why more people opt to buy their own home instead of rent here in Lewisburg.

In anything we buy, price is most often the first thing we check. This rule also applies when buying homes. Lewisburg will give you a wide range of choices from country cottages to luxury homes. The good thing about them is they're affordable. 

Get your finances in order. Talk to your mortgage broker about how much house you can afford. Buying your dream house is a considerable investment. There's always more to it than just the purchase price.

4. Affordable cost of living

Housing is not the only thing that's inexpensive in Lewisburg. The overall cost of living index in Lewisburg is 90.7. That’s 10% lower than the national average. The commodities looked into are transportation, utilities, groceries, health, and miscellaneous. Lewisburg ranked more economical than the U.S. average for all of these living expenses.

The cost of living is an essential factor to consider. You may be able to afford the house of your dreams, but if the living expenses eat up your budget, it's going to be hard to enjoy your home. You will most likely look for a different property because you can't afford to live in the house you bought.

These expenses will be the least of your worries when you buy a home in Lewisburg. Groceries and utilities eat up a big part of everyone's budget. If the cost of those were less, you have more money to spend on other things you can enjoy in the city. You can use the money you saved to take advantage of the many recreational activities offered by Lewisburg.

5. Safe community

With a crime rate that's almost 10% lower than the national average, Lewisburg is no doubt safe. Cost, environment, and community are essential things to consider, but scoring a great real estate deal turns into waste without peace of mind and security.

I'm ready to buy a home in Lewisburg. What's the next step for me?

The first step is to get a smart and reliable realtor. Buying a home is one of the biggest transactions you will ever make. Things can be complicated and frustrating, but it does not have to be a long process with the help of a real estate agent. Getting an expert will give you that dream home in Lewisburg without much hassle.

For a smooth and stress-free home hunting in Lewisburg, don't randomly pick any real estate agent. Find a broker with an extensive knowledge of the neighborhood and a good track record.

I would love to help you find your dream home, call me, Rebecca Gaujot, at 304-520-2133.