The Pre- Approval Process
You will need to get pre-approved before we start shopping . This will help us determine a price range and it will also help you get the best rate you can. Perhaps there is a small, easy to fix blemish that is affecting your credit score? A mortgage broker can help you clean up your credit to ensure to you get the best rates. We have long standing relationships with the best lenders in town. Contact Kelley Realty for a list. It is very important to choose the right mortgage broker- they can save you money and help streamline the process.
Needs Vs. Wants in a home
Start creating a list of ‘Needs’ and ‘Wants’ in a home. There is a difference. A family may ‘need’ 3 bedrooms but “want” a backyard deck. Be honest with yourself and your Realtor- this will help us refine our search and find the home that best suits you. Keep a creative mind- maybe the home doesn’t have a deck- could it be added? Could a wall be added in the bonus room to create that extra bedroom? Is there room to build that shop you wanted? Some things can’t be changed about a property, but some can.
Home Buying Journal
Begin a “home buying journal”. Use a note pad and make a list. This may include neighborhoods you like, homes you have seen, homes you want to see, and newspaper or internet ads.
Sign up for a client portal. As Realtors we have access to all the properties for sale in the multiple listing service (MLS). We can connect you with a program that updates you with new listings as they happen so you are one of the first to know. It can get over whelming, especially if you are new to the area, so having an organized system can save you time and headaches.