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Jacob Brown
Century 21

6802 Saratoga Blvd
Corpus Christi, TX 78414
512.720.9698
Contact Me

Contact Me





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Tips for Buyers

     1. Know what you’re looking for

Buying a home will probably rank as one of the biggest personal investments one can make. Being organized and in control will contribute significantly to getting the best home deal possible with the least amount of stress. It’s important to anticipate the steps required to successfully achieve your housing goal and to build a plan of action that gets you there.

Before you can build a plan of action, take the time to lay the groundwork for your decision-making process.

First, ask yourself how much you can afford to pay for a home. If you’re not sure on the price range, find a lender and get pre-approved. Pre-approval will let you know how much you can afford, allowing you to look for homes in your price range. Getting pre-approved also helps you to alleviate some of the anxieties that come with home buying. You know exactly what you qualify for and at what rate, you know how large your monthly mortgage payments will be, and you know how much you will have for a down payment. Once you are pre-approved, you avoid the frustration of finding homes that you think are perfect, but are not in your price range.

Additionally, look into the features you want the home to have. Are you looking for a spacious patio where you can entertain guests? Do you want a home with a swimming pool, or perhaps a tennis court? List down your preferred amenities to guide you in your search.

  1. Work with an experienced Realtor

It’s important that you choose an experienced agent who is there for you. Your agent should be actively finding you potential homes, keeping you informed of the entire process, negotiating furiously on your behalf, and answering all of your questions with competence and speed.

The buying agent’s services are also valuable in other ways. They may know of properties for sale that are not listed on internet listing sites. Your Realtor can also negotiate strongly on your behalf, help you come up with a competitive offer price, and look after your interests through every step of the process.

Give us a call at 512.720.9698 or send an email to our partner Greg Burns at century21JB@yahoo.com

  1. Get pre-approval and work on your financing options before going home shopping

Most lenders can pre-qualify you for a mortgage over the phone. Based on general questions about your income, debt, assets, and credit history, lenders can estimate how much mortgage you qualify for. However, being pre-qualified and pre-approved are different things. Pre-approval means that you have applied for a mortgage; you have filled out the mortgage application, received your credit report, and verified your employment, assets, etc. When you are pre-approved, you know exactly what the maximum loan amount will be.

A pre-qualified letter is not verified and in essence, does not count for much if you are competing with other buyers who are pre-approved. When you are pre-approved, you and the seller know exactly how much house you can afford. It gives you credibility as an interested buyer and lets the seller know immediately that you will qualify for a loan to buy their property. If you need help finding a lender, please call me at 512.720.9698.

  1. Conduct a home inspection

As a buyer, you are entitled to know exactly what you are getting. Don’t take anything for granted, not even what you see or what the seller or listing agent tell you. A professional home inspection is something you MUST do, whether you are buying an existing home or a new one. An inspection is an opportunity to have an expert look closely at the property you are considering purchasing and getting both an oral and written opinion as to its condition.

You may want to be present during the inspections. This gives you a chance to ask questions about the property and get answers that are not biased. In addition, the oral comments are typically more revealing and detailed than what you will find on the written report. Once the inspection is complete, review the inspection report carefully.

  1. Be Careful With Your Finances.

Don’t go on a spending spree using credit if you are thinking about buying a home, or in the process of buying a new home. Your mortgage pre-approval is subject to a final evaluation of your financial situation.

Every $100 you pay per month on a credit payment could cost you about $10,000 in home eligibility. For example, a car payment of $300/month could mean that you qualify for $30,000 less in a mortgage.

Even if you have accumulated enough savings, you should consider not making any large purchases until after closing. The last thing you want is to know that you could have purchased a new home had you curbed the urge to spend.

 

If you’re ready to make your dream of living or owning a property in South Texas a reality, give me a call at 512.720.9698 or complete the form below. Allow me to be your partner in this journey, and be rewarded by a seamless, honest, and enjoyable experience. 







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Jacob Brown | 512-720-9698 | Contact Me
6802 Saratoga Boulevard - Corpus Christi, TX 78414
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