Owning a home in the Outer Banks is a dream for many. It’s also one of the larger investments that most people make! If you’re considering buying a house in North Carolina’s barrier islands, utilize the Outer Banks Home Buyer Checklist below to make sure you have everything covered.

The Outer Banks Home Buyer Checklist is the perfect tool to use as you get started in your home-buying journey. It can help to take some of the weight off your shoulders as you make this big step. If you come across any questions along the way, our team at Shoreline OBX is also here to help!

Outer Banks Home Buyer Checklist: Have You Done Everything?

Step One – Find the Right Real Estate Agent

Many people begin the home-buying journey by browsing listings online. Although this is a great way to familiarize yourself with what’s on the market, it can be an overwhelming way to start the process. You might get lost in the abundance of options and run the risk of falling in love with a home outside your price range. At Shoreline OBX, we recommend that you start by contacting a Real Estate Expert. Our team is full of talented professionals who can help you narrow the search and find the best home to suit your needs.

Step Two – Determine the Right Location

The Outer Banks is full of fabulous communities and neighborhoods, each with its own appeal. If you’re unsure of which location is right for you, start by taking a look at this guide on finding the right Outer Banks island or town. A few things you will want to consider when deciding on the location include proximity to attractions, quality of schools, neighborhood amenities, and overall community lifestyle.

Step Three – Prioritize Your Home Needs

There’s no shortage of wonderful homes in the Outer Banks, but every home-buyer has unique needs and desires. Start by making a list of home features that are most important to you. Here are some questions to ask yourself to get your wheels turning.

  • Is the community near desired shops and restaurants?
  • Is the location walkable and pedestrian friendly?
  • Does the community lifestyle feel like the right fit?
  • Are there any pending local redevelopment plans?
  • Does the home layout and structure make sense for your needs?
  • Will the house be easy to maintain or require a lot of upkeep?
  • Is this home a good investment?

Step Four – Meet with a Mortgage Lender

At Shoreline OBX, we’re happy to help set you up with a local, trustworthy mortgage lender who can discuss your financing options. A mortgage lender can assess your situation to help you determine which type of home loan is right for you. Contact us today to find out why using a local lender is so important.

Step Five – Maintain or Improve Your Credit

Your mortgage lender will pull your credit score, which is determined by a number of factors. Higher credit scores qualify for the most competitive interest rates. If you find that your credit score is below expectations, there are steps you can take to improve your credit score. Although improvements take time, this can be a valuable move in the long run. If you’re happy with your current credit score, it’s important that you keep it stable. Avoid falling behind on payments, taking on new debt, and opening new credit cards when you’re in the process of buying a home.

Are You Ready to Get Started?

As we mentioned above, we recommend to start by contacting a Real Estate Agent. Your Agent will help guide you through the Outer Banks Home Buyer Checklist and ensure you’ve considered all the necessary steps. Then, you’ll be ready to find the perfect home for sale in the Outer Banks. We hope you find these steps helpful as you begin the home-buying process in the beautiful Outer Banks!