What Are Your Top 5 Home Buying Worries?
1. How do I boost my credit rating?
The only source that is is recommended by the Federal Trade Commission (FTC) is annualcreditreport.com. The FTC has the most trustworthy site we've seen for repairing or boosting your credit scores. Contact your lender to help you with a credit consultation based on your credit report- you can never have too good of credit for a mortgage!
2. How much home can I afford?
You can go online and use mortgage calculators, but we really don't recommend it. The reason is that there are far too many variables to make them accurate and a wrong answer can often be worse than no answer at all! Talk with an experienced, trustworthy loan officer for 30 minutes and you'll know for sure how much you can afford.
3. What neighborhoods are best for me?
It really depends on many factors- mostly what you can afford and distance to work and your friends. You'll want to sit down and have a chat with us for 20-30 minutes and we'll help you choose a few good areas that are best for you.
4. Is now really the best time to buy?
If your job and finances are stable, it really is a good time to buy. The conditions are the best we've seen in decades due to historically low interest rates and rising home prices.
5. Which agent should I use?
The best one you can find. We think this is where many buyers go wrong, thinking "Aren't all realtors pretty much the same?" It is easy to see how you could come to that conclusion, so ...
How are we different from most agents?
1. Our focus is on our clients needs not our own... we concentrate on your concerns, not on promoting ourselves with things like glamour shots of us on bus benches or billboards!
2. We work hard to educate you each step of the way so that you know what is happening and know that you're making good decisions. Our home buying classes are just the first step we take in educating our clients through the whole home buying process.
What should you do next?
Give us a call or email and we'll sit down with you to talk about these 5 concerns and see if we'd be a good fit to work together on buying your first home.