Home Ownership Is The Key To Building Wealth
Home ownership has long been considered one of the best paths to building long-term wealth. A home provides safety, a tappable source of income and value that can be passed on to future generations.
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Buyer Services
While many are seeing the buying process daunting, Remus is here to assure you that every step of the way will be taken care of diligently in order to accomplish a pleasant and memorable experience. As a high-performer Realtor focused on your goals, Remus will be there to answer any questions and take a lead on the entire journey so that you can enjoy a stress-free home buying experience.
Remus will go over all details with you to properly assess your needs and wants: budget, location, long and short-term goals, life style, mortgage qualification, risks, opportunities, potential for growth and more. He will provide you with statistics, narrow down the list of homes to the ones that fit your needs, tactfully negotiate offers that will give you the best possible outcomes.
With solid and trustworthy relationships with Lenders, Mortgage Brokers, Lawyers, Inspectors, professional Contractors, etc., you are in great hands, Remus truly has a wide network of resources one may need. With over 25 years of real estate investor’s expertise, Remus has the practical experience to guide you to satisfaction and success.
You will not experience any pressure, push or rush, Remus will be available for as long as it takes to find the right home - not cutting any corners !
Home Buyer Tips
21 Tips To Help Your Get Ready To Buy A New Home.
By Capital Bank
1. Start Saving Early
Getting a mortgage requires you to put skin in the game by making a down payment on your home. That’s typically from 3% of the purchase price to 10-20%, depending on the loan.
Start saving by slashing expenses and creating a budget to help you reach your goal. You also could ask family members if they can help out. If money is an issue, check out loans with small down payments such as FHA and VA loans to find options that fit your situation.
Additionally, some government programs help first-time buyers with down payments (see Tip 7).
2. Start Working on Your Credit Score as Soon as Possible
Your credit score plays a role in getting a mortgage. Almost everyone has room for improvement. Start by paying off or paying down credit cards: the higher your available credit and the lower your utilization, the higher your score. Three to six months before you reach out to a lender, review your credit reports from all three major agencies: Equifax, Experian and TransUnion. Each will show different credit history items. You’re entitled to an annual free report from each agency, available from AnnualCreditReport.com. Look for errors such as old debts you’ve paid off or items that aren’t yours. Take steps to dispute errors, and follow up to make sure they’ve been corrected. Challenges to reports take time to resolve.
If you need to build credit, look into getting a secured credit card.
3. Try Not to Finance Anything New Before Buying a Home
How much you owe will affect how much you can borrow. Financing a large new purchase before you get a mortgage (a new car, for example) reduces your loanable amount. You also may negatively impact your credit score with a large purchase, since you’re increasing utilization and lowering your available credit. That could have a bearing on home loan terms, such as interest rate. It’s best to stay away from other major purchases when you’re about to make the biggest purchase of your life.
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