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Thomas Kersey’s Complete Homebuying Guide for Bluffton

Thomas M. Kersey | September 13, 2022

The Thomas Kersey Complete Homebuying Guide is the best resource for anyone looking to purchase homes for sale in Bluffton. From finding the right neighborhood and securing a mortgage to closing the deal, this Bluffton home buying guide will help make your experience as smooth and stress-free as possible. Here is what to consider when buying a home.


Location is an important consideration in the home buying process. Think about what's important to you and what kind of neighborhood you want to live in. Do you want to live in a rural area or prefer a more urban or suburban locale close to schools, shopping, restaurants, and public transportation? The desired location of your preferred Bluffton real estate is a significant consideration when searching for a home.


Another critical factor to consider is the size of the home. How many bedrooms and bathrooms do you need? This often depends on your current season of life. Growing families typically require more space than empty-nesters or retirees, but even couples generally try to include a little extra space to accommodate guests. Are you looking for a house with a “cozy” feel or a more expansive residence with lots of elbow room? The lot is another size consideration. Some homebuyers look for larger yards with ample room for gardens and outdoor living and recreational spaces. Other buyers prefer the easier upkeep and maintenance of a small lot. House and lot size are essential considerations to keep in mind when looking at homes for sale in Bluffton.

Neighborhood and home amenities

When considering a home purchase, everyone has a wish list. Although the “wants” you may have for Bluffton real estate may be negotiable, they are still important considerations. The more of those desired amenities the house and neighborhood provide, the more likely you will be happy and satisfied with your purchase. Do you want a waterfront property or a home on an exclusive golf course? Do you want a home with high-end finishes and appliances, a gourmet kitchen, and a luxurious master bath? What about a garage, and should it be a two, three, or four-car garage? Do you prefer a gated community with access to a community pool, fitness center, and tennis courts? Whatever your wants, desires, and preferences may be, it’s essential to identify them and determine which are “must haves” and which are “negotiable.”


It's important to set a budget before looking for Bluffton real estate, even if you have the resources to purchase a multi-million dollar estate. What is your target price point? How much of a down payment do you have? For most buyers, having a mortgage pre-approval letter will expedite the buying process and provide a clear budget for the home purchase. A well-thought-out price point will also narrow the home search and make the process more focused and efficient. It's also essential to work with a mortgage lender that is knowledgeable about the home buying process and can help you get the best rate and terms for your mortgage. Budget considerations are a significant consideration before starting the home buying process.

The home buying process 

Once you’ve addressed those important home buying considerations, it’s time to start looking for houses for sale in Bluffton. The home buying process is often frustrating and complicated, but with the help and guidance of a good Bluffton realtor, it can be a smooth and stress-free experience. Below you’ll find a list of the steps you should take when buying a home:

Tour potential homes and neighborhoods

Using a reputable Bluffton realtor to help identify the neighborhoods that best match your preferences will save a lot of time and frustration. The realtor will also actively search for homes that meet your needs and satisfy your wants. Once you and your realtor have identified neighborhoods that interest you, it's time to start touring homes for sale in Bluffton. When looking at homes, be sure to evaluate the property's size, layout, and condition. It’s essential to pay attention to key details that will impact your day-to-day life. The size of the property will dictate how much living and storage space you will have. The layout can make or break the flow of traffic in your home. And the property's condition will affect how much money you’ll need to put into repairs and renovations. By paying close attention to these factors, you’ll be one step closer to finding the perfect home for you and your family.

Make an offer

Once you've found the perfect home, it's time to make an offer. Be sure to work with a Bluffton realtor to negotiate the best possible price for Bluffton real estate. Your realtor will have a good understanding of the local market and the final sales price of comparable homes. They will also help you determine a realistic offer that considers the unique location, amenities, and features of the home. Don't be afraid to negotiate. The seller may accept a lower offer, especially if they've been trying to sell the home for a while. However, don't lowball them too much, or you may risk losing the deal altogether. Lastly, remember that there's more to consider than just the purchase price. Closing costs, property taxes, and other fees should all be taken into account when making an offer on a home. By considering these things, you'll be sure to get the best possible price on your new home.

Get a professional home inspection

After your offer for Bluffton real estate has been accepted, it's time to have the home inspected. This is essential to ensure that the home is in good condition and has no hidden problems. A professional and reputable inspector will inspect the whole house, checking for structural integrity, damage, and potential safety hazards. They will also check the plumbing, electrical, and heating systems to ensure they are up to code. Once the inspection is complete, you will receive a report detailing any problems found. This report can be used to negotiate with the seller to have repairs made before closing on the home.

Secure a mortgage

Once the inspection is complete, it's time to secure financing for your Bluffton real estate. Be sure to compare rates and terms from a few different lenders before choosing one. You'll also have to determine the type of mortgage that best fits your needs. For example, an adjustable-rate mortgage may be a good option if you plan to move again in a few years. On the other hand, a fixed-rate mortgage may be the way to go if you're looking for a long-term investment. Whichever route you choose, securing financing for your new home is an exciting milestone in the home-buying process.

Close on the home

After saving, planning, and looking at some beautiful houses for sale in Bluffton, you've finally found the perfect home. Now it's time to take that final step and close on the property. This process can be complex, so it's important to work with a qualified Bluffton real estate agent and loan officer to ensure everything goes smoothly. They can help guide you through the paperwork and make sure everything is in order. When the papers are signed and closing is complete, you'll officially be the proud owner of your new home. 

Final thoughts

This home-buying guide will be an excellent resource for first-time buyers and seasoned home-buying veterans. By following these steps, you can be sure that your home-buying experience will be as smooth and stress-free as possible. Thomas Kersey is a reputable and sought-after Bluffton realtor with a long list of satisfied clients. For more information, contact Thomas Kersey.

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