Whether you're buying your first home or upgrading to your dream home, the home-buying process is detailed and complex. But it doesn't have to be difficult. The Relocation Rewards program can help you and your family find the home that's just right for you in a manner that is enjoyable and rewarding. Plus, you'll receive cash-back!

Location is Important

Your house will have context. A neighborhood will most likely surround it and you should consider the bigger picture before you buy. Ask yourself these questions:

• Are the other houses in the neighborhood well cared for?
• Is the house on a busy street? Is it in a business area?
• How close are hospitals, police and fire departments?
• Is the school system highly regarded?
• How far is it to shopping and community transportation?

Taking a Closer Look

Once you've selected your community and evaluated neighborhoods, next comes the big decision - choosing a home. You'll have plenty of time to fall in love with your dream home after a careful examination:

• Walls and ceilings: cracks, holes, water marks?
• Carpets: worn spots, burns, stains, pet odors?
• Floors: peeling or cracking, bowing or uneven surfaces, loose tiles?
• Stairs: sturdy and in good condition, banisters secure?
• Bathrooms: loose tiles, missing grout, functional fixtures?
• Lighting: fixtures electrically sound, will they stay with the house?
• Kitchen: cracked chipped or discolored countertops and cabinets?

Get an Inspection

You'll want to take a look at the things that make the house work. Climb around and get nosey. It's also a good idea to have this inspection done by a professional. They can help you make a more informed purchase by pointing out needed repairs and serious flaws.

• Roof: curling shingles, missing chimney blocks or broken mortar?
• Waste systems: septic or sewer, last serviced, pump type?
• Basement: water stains, mildew, dampness, cracks?
• Heating and cooling system: what type, service records available, warranties and owner's manuals?
• Attic: insulation, leakage, pest or insect infestation?
• Water: public water system or well, filterization, adequate pressure?
• Fireplace: working flue, cracked walls, last cleaned?
• Alarms: security and fire devices in working order?
• Service records: ask for documents and appliance manuals.

Negotiating the Deal

When negotiating, don't let emotions cloud your objectivity. Buying a home should be thought of as a business decision as much as it is a personal one.

• How long has the home been on the market? Obtain information from your agent on similar homes that recently sold in the area.
• Identify seller's motivation to sell. Determine a realistic price range with a maximum figure that you will pay.
• Make an initial offer that will give you some negotiating room. Submit terms to include contingencies such as inspection, financing, etc.
• When the seller responds, be sure the answer covers price and all contingency items. If the seller counters your offer, stay flexible and continue to negotiate.