Common Mistakes

Here are the most common mistakes first time buyers make. Many shop without getting educated, these are the reasons why you need a professional realtor.  Many shop before they are pre-qualified, this caused a huge disappointment. Choosing the perfect lender to meet your specific needs. Using money that is not verified, not being honest with the lender, buying more of a home that you can afford (HOA, Utilities ect). Making a decision too fast without understanding the dynamics. Relying on emotions that can lead to drain your savings account. Your credit is not intact. Waiting for something that is not there and convincing yourself it is. Not understanding the loan process. The total cost of buying a home and what it all involves.

Choosing The Right Realtor

Choosing the right realtor.  This is just a few dynamics that can terrorize you and will put fear against purchasing your first home. In other words, the order is credit, realtor, lender, search for homes.  After you find a home and your realtor negotiating you write a contract, once accepted, I highly suggest using a licensed home inspector. You can ask your realtor of friends who have used an inspector and use a referral from their experience. Talking to too many lenders can be confusing if not understanding the language. Remember, if you have several inquiries to your credit report in 30 days, they only count as one when shopping for a home.

Credit Scores

A high credit score show's the lender that you have discipline and you will acquire a much lower interest rate than one that is not as credit worthy. Once finding home, ensure the complete layout meets your family needs. Feel free to contact me at any given time.  I am a licensed realtor with fourteen years of experience. Do not hesitate to reach out and call me today at 407 479-8583 to help you and your family.