Buyer Frequently Asked Questions
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Why should I use a Realtor (real estate agent) when buying a home?
As a professional Realtor (Real Estate Agent ) I can guide you in your search for your dream home. I can assist you in determining how much home you can afford and refer you to the best lender for your circumstances. I have many different resources and contacts to help you find your home. I use my knowledge to give you information on the property and area such as schools, community information, zoning, and utilities just to name a few. As a professional in real estate I will help you in the difficult process of negotiating an offer once we find your home. I will guide you on the entire process from your lender, to finding your home, negotiating an offer, getting your home inspected, and closing on the home.
How do I find properties listed for sale?
As your Realtor (Sales Agent) I will watch the market on your behalf and alert you of any houses that fit your needs and requirements for your new home. As your Realtor (agent) you have the ability to set up your own account on my website, search the MLS, save and add comments to different properties that you are interested in and I will review your account and schedule times for us to view the properties that you would like to see.
What is the difference between pre-qualified and pre-approved?
There is a big difference between pre-qualified and pre- approved. A pre-qualification is a lenders estimate of how much you could barrow based on the information that you supply. A pre-qualification does not mean you will get the home loan it simply means that based on what you have told the lender they have given you an estimate of what you can afford without further looking into your financials. A pre-approval is more involved the lender will gather more in-depth information. The lender will check your credit and verify all the information you have provided. The pre-approval process does not guarantee the loan it means that you are approved to get the loan as long as nothing changes or goes wrong.
What are the financial benefits of owning a home?
There are several benefits of owning a home. Being a homeowner you will build equity every month, you will build wealth over time, there are several tax benefits, your monthly payments will be fixed and will not increase, and long term buying is cheaper than renting.
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When you need to buy or sell, think - Outside The Box