You should plan ahead for the paperwork that will be required from your lender. Prepare a folder containing recent pay-stubs, W-2 forms, and bank statements. I can help you for the entire home buying process.
Your first impression to mortgage lenders will be your credit history. The websites of the three major credit reporting agencies are: Equifax.com, experian.com, and transunion.com. Study your credit report and question anything that may be incorrect. I can help you prepare for the mortgage process. Call me today.
Hire a respectable Home Inspections Company to do the inspection of the house; most of the problems associated with the property may not be noticeable at a glance. As your agent I will explain the buying process to make it an easy and pleasurable experience.
If you are bidding on a home with multiple offers, make sure yours is the most attractive. Too many contingencies will appear as loopholes for you to forfeit the contract. Too few contingencies may not provide enough protection. Call me and we will find the balance to get your offer accepted.
Choose the right agent, someone understanding of your needs, who exercises ethics and professionalism and who is dedicated to his profession.
Carefully research the types of mortgages available in your area. Spend the time necessary to take a clear look at your income, budget and future plans and tailor your mortgage decision to these factors, rather than just accepting a loan that the lender offers, even if it may not suit your situation.
The very first thing that any home buyer must do is to clearly establish the attitude that you--and only you--will be responsible for the payment of the mortgage. Not the lender, not the Real Estate Agent, not friends or relatives. Therefore, any and all decisions should be first and foremost personal ones, and secondly, rooted in common sense. Call me and I will be glad to go over these options with you.
Call me, as your agent, I will minimize the chores of purchasing you next home and maximize your satisfaction!!!
