First Time Home Buyer

So you’re thinking about buying your first home. How exciting but you may find out later that it can be very stressful. That’s a good reason to have an agent like me.  See, the person selling the house pays the commission to both agents.  This means it doesn’t cost the buyer, which means you, a penny to use one. So why wouldn’t you want to find an agent first? Here’s why you should, because they will explain and help you through the entire process.  Things like getting pre-approved for a loan, how much can you afford, making an offer, option periods, option money, inspections, earnest money, down payments, mortgage insurance, home insurance, closing costs, title companies, the list goes on. Now, if you don’t have money for a down payment or closing costs, you could qualify for a USDA loan.  You heard me, 0 down and no closing costs.  Not bad.

Another reason to find an agent first and this is something that some previous buyers don’t know is that a lot of homes are sold without even going on the market.  These are called pocket listings. So ask your agent if he has access to these homes or ones before they come on the market. Now it’s going to be a little stressful at times regardless but with the right planning and the right agent, the stress can be minimized.  See, there is a lot more to buying a home than finding one you like.  Don’t waste your time, talk to an agent.