Monroe Real Estate News

Let's pretend you are finally ready to purchase a home.  First time homebuyer?  Novice?  Even the experienced homebuyer might not have thought about this.

First step for you is to get a pre-qualification letter from your lender.  Any Realtor would like to see this and know you have it before you start looking for a home.  Now once you have been pre-qualified, we don't want to mess this up.  How can you mess up a pre-qualification?  Easy!!

This is not the best time to decide to change job!  Your lender will want to know that you are able to repay the loan they are getting ready to give you.  They want to know you are stable in your job.  Most lenders (check with yours) will want to see that you have been on the job for at least 2 years.  If you change jobs, completely different from what you have been doing (i.e. waiter at a restaurant to a truck driver), they are pretty much going to make you wait 2 years for job history.  If you are a waiter and you change restaurants, they will want several months copies of paystubs to review before you can move forward.

I know you are excited to be buying a new home, but don't go out and buy a whole house full of furniture for the new home and charge it.  That is going to play havoc with your debt/income ratio.  Oh, and don't buy that new truck to park in your new garage, unless you pay cash for it.  The lender will run your credit at the beginning and end of this process so you won't be able to hide it.

I Know!!  You never thought about this, right???  Your lender should tell you this, but they may take it for granted that you know.  Now, You Do!!  Happy House Hunting!!

What value does a Realtor bring to the table?  We could say experience.  We could say contacts.  We could say knowledge.  Maybe roll all of these into a ball.  So if you are considering selling your home, don't you want someone to guide you through that process?  Sure you can go on YouTube and watch a video.  But the video does not have a knowledge of your area and your market.  A Realtor does.  The video may be only a snapshot in time.  You need a Realtor who knows what is currently going on in your market.  The Realtor can help establish the value of your home and a reasonable listing price.  The Realtor can list your property on MLS and have thousands of other Realtors have their thousands of buyer clients become aware of your listing.  A good Realtor will advertise broadly for you in different venues in addition to the MLS listing.  A good Realtor will have your listing be distributed to 70 different websites for marketing purposes.  I hope you will consider using a Good Realtor, Judy Chapman, Appleseed Realty LLC for your next home buying or selling experience.  You will have experience, contacts, and knowledge on your side.  Better than a video.....

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