Getting a pre-approval for a home mortgage is the first and most important step of the home buying process. When you get your first pre-approval letter from a home lender, you are on your way to home ownership.
First, you will need to know how much you can get a home loan for. Knowing what houses are in your budget narrows down what kind of listings your local realter will be showing you.
Your loan estimate from your home lender will show how much cash is required for the down payment and closing costs on your new property choice. You may need to save up money for awhile longer, sell other assets or seek other funding solutions. No matter the scenario, you’ll be better prepared to pick your home and buy it.
From beginning to end you can count on the entire process taking about 10 to 12 weeks. Once your home’s offer is accepted, you’ll often have up to a 45 day escrow period before the sale is completely wrapped up. Well prepared new home buyers who pay cash have been known to move much quicker as well.
When you are looking to buy in a sellers’ market, this means increasing demand has driven up home prices. Here are some demand drivers:
Most home shoppers pay very little if anything to a real estate agent to buy their home. Listing brokers and buyer’s agents are paid from the seller. When a home is sold, the listing broker will split the listing fee with the buyer’s agent, this means buyers are not the ones that pay their agents.
Many loan programs require a FICO score to be over a certain number, however, there are many options for first time home buyers that lower this number. While there is no way to be certain, you want the best credit score possible. Should you not have a great credit score, don’t panic, there are plenty of options out there for people in any credit situation.
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Intro: If you’re thinking about borrowing against the equity in your home, you may wonder if a cash-out refinance or a home equity loan is the better option. Here’s what you need to know about each one. A cash-out refinance lets you borrow more than your current mortgage balance and use the extra money for whatever you want. A home equity loan is a
Are you considering selling your house and wondering where you will move if you do? If you’re in New York, there are many different types of real estate that you can choose from. Depending on your budget and what kind of lifestyle you’re looking for, you can find the perfect place to call home. If you’re looking to downsize, plenty of apartments and condos
Intro: Many people are asking if they should buy a home now that the high inflation rate. Artisan Realty weighs in on the matter with some advice. According to their research, homes are still a good investment, but there are certain things potential homeowners need to remember when making such an important decision. For example, it’s essential to factor in how long you plan
Give us a call or drop by anytime, we are here to answer all questions within 24 hours on business days. Your local real estate agent will be dedicated to helping you buy a home from start to finish.
When you call us, you’ll speak directly with a local, experienced real estate agent who knowns your marketplace.
As our client you will get all of the support in your home buying process you need. Please let us know if you have any questions or concerns at any time you’re working with us and we’ll be quick to resolve any issues we can.
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