Buyer

You, Too, Can Buy!

Have you ever said to yourself, “I want a house so bad but I can’t buy right now” or “I want to move but I can’t buy right now”.  Why do these thoughts come to mind?  In my opinion, there are NO issues that can’t be overcome in order for you to get that new house.  My job is to make that dream come true.  I am on your Team and together we’ll make that Dream of a new home a Reality!!

 

    Mortgage Interest Rates

    BRAGGING RIGHTS~~Holding Out For the BEST Mortgage Interest Rate

    When I have a get together with family and friends and the topic of home buying comes around, it never fails that mortgage interest rates comes into the conversation.  There’s always one person who has an interest rate that BEATS everyone else’s at the table.

    Interestingly, no one actually asks what the difference is in the actual monthly mortgage payment based on their AMAZING Interest rate number.  While we marvel at some of the rates that are put out there; the actual difference in monthly mortgage payment is what should be the tell all of whether you look at buying a home today or gamble on a better set of circumstances in the future.

    Take for example this scenario.   You want to buy a home and find that in your desired area and desired size home, the average Sales price is about $300,000.00.  You start your search and talk to a Lender.  They tell you the current interest rate that’s out there and it’s 4 % for a 30 year loan.  You can qualify for an FHA loan at 3.5% down payment. Quick calculation says that your monthly principal and interest will be about $1382 per month.

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    Renting Helps Your Landlord Get Rich

    I rented after College till after my Husband and I made the leap to buying our very first home.  The size of our rental was just one in a list of other factors that pushed us to run (not skip) and find our first place.  Not sure if you’ve ever had these same issues with your Rental but here were mine:

    • ZERO freedom to put our personal touches on any part of the inside or outside
    • Waiting on Landlord to repair things that break (i.e. drippy faucet, bad toilet, etc)
    • Any money we spent on the house that improved the place would be left for the next tenant to enjoy.
    • We had to ask for Permission, to change anything!
    • Not ONE cent of my rent was deductible on my Personal taxes!!! My Homeowner friends who were able to deduct, at minimum, mortgage interest.  So guess who sadly forked over more of the piggy bank to the IRS?  Answer: ME!
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    First Time Home Buyer Tricks and Tips

    THE First Time Homebuyer Talk

    Buying your first house is one of the most exciting times in your life!  With many of my first time buyers, the prospect of their very first home can also be a bit unnerving.  But don't let those jitters get in the way of YOU becoming a Home Owner.  Before I give you my top 5 tips on how to get you the keys to your dream house, let's look at the reasons why buying a home VS. renting is such a great benefit.

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    Ladies!!!  TAKE HEED!  You are KICKING BUTT in the Housing Market.

    Over the past 12 months, single women made up 17 percent of all homebuyers , purchasing at twice the rate of their single male counterparts, according to a new annual report from the National Association of REALTORS®.

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    3 Important Points Every Buyer Should Know About Home Inspections

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    CONGRATULATIONS!!! Your offer was accepted!  You’re probably celebrating the news that I just gave you on the phone in your own way—popping the bubbly, jumping up and down and yelling out WOO HOO!!!  Now after you’ve let out that wonderful supply of joy and energy; we will need to sit down and start the processes that will get you those keys in the end.  And the very first step it to line up your inspectors so you can give that beautiful house a clean bill of health.

    Inspection:  Getting a home inspected may seem like a daunting task – especially for those first time homebuyers.  But don’t fret, that’s where I come in.  If you’ve prepped yourself on the home purchase process through Reality TV (ah like who hasn’t recently), then you may have a great idea of what happens. Well I hate to break it to you, Reality TV and reality aren’t related. First, the fabulous no issue home and it’s brother the major money pit home generally don’t exist as much as you see it on TV.  Let’s take a walk down the escrow lane with our first stop- the Inspection period.  Here 3 KEY POINTS that you need to understand about the Inspection period and inspections.

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