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Buying your first home:
1. Get preapproved for a mortgage
Working with a lender to get preapproved for a mortgage is an important step in accurately determining your budget.
2. Find a real estate agent
The right real estate agent can make a huge difference throughout the process of buying a house.
3. Make an offer
Found a home that’s right for you? Now’s the time to make an offer. Your real estate agent can be a tremendous resource here, providing you with comparable sales information
Contact me to get started!
How much do I have to pay an agent to help me buy a house?
Home shoppers pay little or no fees to an agent to buy a home.
Here’s why:
For most home sales, there are two real estate agents involved in the deal: one that represents the seller and another who represents the buyer.
Listing brokers represent sellers and charge a fee to represent them and market the property. Marketing may include advertising expenses such as radio spots, print ads, television and internet ads. The property will also be placed in the local multiple listing service (MLS), where other agents in the area (and nationally) will be able to search and find the home for sale.
Agents who represent buyers (a.k.a. buyer’s agent) are compensated by the listing broker for bringing home buyers to the table. When the home is sold, the listing broker splits the listing fee with the buyer’s agent. Thus, buyers don’t pay their agents.
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Buying a home can be challenging for a first-timer. But like any big project, a successful home buying experience is all about getting the details right from start to finish.
These tips for first-time home buyers will help you navigate the process so you get the most out of your purchase.
1. Start saving early
2. Check and strengthen your credit
3. Explore mortgage options
4. Get a preapproval letter
5. Choose a real estate agent carefully
Schedule your complimentary homebuyer consultation today!
[your contact info]
You need to hire a professional inspector before getting a home. An inspection is different from the appraisal required by your lender. Here’s how:
The appraisal: During an appraisal, your appraiser only gives you and your lender a rough idea of how much your home is worth based on comparable properties (comps).
The inspection: During a home inspection, the inspector tells you about specific problems with the property.
You can use the results of your inspection to learn more about your home and request concessions from your seller.
Real estate fact of the day:
42% of home buyers see real estate as a better investment than stocks.
Source: National Association of Realtors
Your real estate agent matters more than you think!
The ultimate question for sellers to ask is: “how do I retain the wealth I’ve built?”
For buyers, the question is: “how do I protect myself and make savvy, informed decisions about the largest investment I’ll make?”
The Realtor you choose makes a big impact on your ability to do both.
Have real estate questions? I want to answer them!
Contact me: [insert your contact info]
You don’t have to spend a fortune on a major kitchen remodel. Whether you want to maximize a small kitchen or modernize a dated one, these budget kitchen remodel ideas will help you create a space you love spending time in.
1. Install A Backsplash
2. Paint Cabinets
3. Pick a Piece of Art
Ready to “fall” in love with your new home? Let’s find it before the end of 2022
Contact me today to schedule a homebuyer consultation.
Most loan programs require a FICO score of 620 or better. Borrowers with higher credit scores represent less risk to the lender, often resulting in a lower the down payment requirement and better interest rate. Conversely, home shoppers with lower credit scores may need to bring more money to the table (or accept a higher interest rate) to offset the lender’s risk.
Term of the day: Title Report
The written analysis of a real estate title search, including a property description, names of titleholders and how title is held (joint tenancy, for example), tax rate, encumbrances (mortgages, liens, deeds of trust, recorded judgments), and real estate taxes due. A title report is needed before a lender will agree to finance purchase of the property. A title report is prepared by a title company, an abstracter, an attorney, or an escrow company, depending on local practice.
Don’t let selling your home haunt you! Just give me a call: [your number]
The median down payment for first-time home buyers is 7 percent of the purchase price, or $7,000 for every $100,000 purchased. You don’t need a 20 percent down payment to purchase a home.
Are you thinking about buying your first home?
Contact me!
If the built-up equity in your current home will be applied to the down payment on the new home, naturally the former will need to be sold first.
Some home buyers decide to turn their current home into an investment property, renting it out. In that case, the current home will not need to be sold. However, your loan advisor will still need to evaluate your risk profile and credit history to determine whether making a loan on a new home is feasible while retaining title to the old home.
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Knowing how prequalification differs from preapproval is also important. Let’s review that difference now.
Prequalification letter:
A prequalification is an estimate of the amount of home loan you can get. It’s based on an informal evaluation of your income and other information.
Preapproval letter:
A mortgage preapproval is an official document from a lender that tells you exactly how much loan money you can get based on your financial information, such as W-2s, bank statements and your credit score.
Term of the day: Annual Percentage Rate (APR)
A yearly interest rate that includes upfront fees and costs paid to acquire the loan, calculated by taking the average compound interest rate over the term of the loan. Mortgage lenders are required to disclose the APR so that borrowers can more accurately compare the actual cost of different loans with different fees.
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