Buyer Frequently Asked Questions
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Why should I use a REALTOR® when buying a home?
As a professional REALTOR®, 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 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 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 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 borrow based on the information you supply. A pre-qualification does not mean you will get the home loan. It only means that based on what you have told the lender, they have given you an estimate of what you can afford without looking into your financials further. A pre-approval is more involved and 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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