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First-time Homebuyers
Your decision to buy a home is both a sound financial decision and a commendable achievement. As your real estate agent . . .
- We will lead you through every step of the exciting home buying process.
- We will help you define your "wish list" of features you want in your home, your neighborhood and your school district.
- We will walk you through the financial details associated with buying a home, including understanding the various mortgages and home buying programs available to you.
- We will monitor all new listings and alert you to new houses as soon as they are put on the market.
- We will eliminate the stress involved with buying a home by putting my years of real estate experience to work for you.
Finding the perfect home is my business. Contact us today!
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5 Mistakes You Can't Afford to Make*
1. Don't...Hire the wrong Real Estate Agent:
All real estate agents are not the same.
You want to look for realtors who understand:
a) Your goals of home buying (not what they want you to buy)
b) The area you wish to purchase a home
c) The time frame involved with your transaction
(don't be rushed by anyone)
2. Don't...Lie on your loan application:
Exaggerating your income on a mortgage application or putting down other untruthes can be a federal offence. Lenders rarely prosecute, but, if they find out later they can call your loan due and payable.
3. Don't...Confuse "Pre-Approved" with "Pre-Qualified":
When you are pre-qualified, the lender is making an educated guess about how much you can borrow based on the information you've provided. When you are pre-approved, the lender has verified everything you have told them and is offering to lend you money up to a given amount at the current interest rates- under certain conditions. If is recommended that you "pre-approve" when beginning your home buying process to take out any and all hurdles that could prevent you from buying the home of your dreams.
4. Don't...Choose the wrong mortgage:
Investigate all your loan options, lay your choices side by side and do the math, making sure you compare worst case scenarios. Be sure to look at the initial interest rate, future interest rates, payments and the possibility of pre-payment penalties. A reputable, knowledgeable loan officer is critical at this point.
5. Don't...Skip a home inspection:
Failing to make you purchase contingent upon a satisfactory home inspection could be a costly mistake. Home inspectors examine houses from stern to stern. They'll be able to tell you whether the roof and/or basement leaks, the mechanical systems are in good shape and how long the appliances should last. Missing this step to save a little money could end up costing you thousands in the end.
We can assist you in finding a lender or home inspector.
Call us today!
478-454-3108
*Five tips provided from DreamQuest: A CASA Publication
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