Congratulations, you are taking an important step in your future by investing in purchasing your first home but perhaps you have been living in an apartment for some time and therefore, do not have any furniture that you want to bring into your new home. Since most people don’t have a few thousand dollars lying around with which to furnish an entire home, especially after making a down payment on a new house, it stands to reason you will need to finance your furnishings.
Wait to Buy
However, you should have been advised by your real estate agent or mortgage company not to make any large purchases between approval and closing. The underwriters of your mortgage loan will traditionally pull your credit shortly before closing to check that the status of your debt to income ratio has not drastically changed; therefore, making your ability to meet your mortgage payment less certain.You may not desire to bring any of your old furniture with you but it might be in your best interest to bring at least some pieces along even if it is just your bed and a sofa. After closing you can feel free to go out and get all the furniture you need. It costs nothing to look so you can certainly “window shop” at a furniture store West Palm Beach and decides exactly what you want; you may even be able to get pre-qualified for financing while you wait. This will speed up the process once you are able to sign on the dotted line and schedule delivery.
Hone Your Style
In the meantime, you can at least furnish your new rooms in your head since you do have the benefit of knowing what those rooms look like now. This can actually work in your favor since it takes some of the pressure off to move too quickly; you have time to shop around for living room furniture West Palm Beach and/or any other rooms you need to furnish.You want your items to go and not clash with the house’s current style; for example, if you have dark wood floors, you probably don’t want to add a lot of dark wood furniture that might make space feel gloomy. If your kitchen has ceramic tile floors and whitewashed cabinets with a sort of country feel, you don’t want to add a French country breakfast table; you might want to go with a round golden oak table and some press-back chairs.
On the other hand, you may find the type of furniture you gravitate towards doesn’t quite fit and decide you want to make some changes before you bring furniture in. It is a lot easier to refinish cabinets, change flooring, or even paint without having to move furniture; it’s just easier to work in an empty space.
Choose the Right Retailer
Although you may like the idea of shopping around a bit to get an idea of what is on trend, which stores have pieces that match your taste, or where to find the best quality, you most likely don’t want to have to run all over town to get everything you need. A store that sells sofas only might be great if you are looking for a sofa only because you have more to choose from in your item but it’s not so great if you need to furnish an entire house. In this case, one-stop shopping is going to facilitate your timeline and save your feet some wear and tear; also, a store that carries furniture for every room in the house will have complimentary pieces to help you keep a cohesive look.The right retailer will also have a variety of styles from formal to informal so if you have a formal dining and living room as well as a more casual one, you can get all you need in one place. You also want a store that has whatever it is you might want, especially if it is a common item such as a sleep sofa, reclining sofa or loveseat, or a recliner with storage or cup holders.
You want a wide range of bedroom choices for you, your children, and a functional guest room. At Babcock Home Furniture and More of South Florida, we have everything you could possibly need to furnish every room in your new home. Come by and visit us in West Palm Beach, see what is right for you, and when you are ready we can help you get what you want as quickly as possible.
