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It is drawing near to the new year and along with that comes resolutions. Are you one of those people who makes a New Years' resolutions or maybe a list of resolutions? One of those resolutions may be to purchase a new home in 2018. There are preparations you can make to allow an easy road to accomplish buying a home. I have listed some of those ways below.
* Make sure your credit is in order.
Fico scores range from 300 to 850. Having a good credit score is like gold when obtaining a mortgage. Typically you will get the best rate if you have a 740 or above. This doesn’t mean you can’t qualify if it is under 740. Take the time now to see where your credit score is and correct any errors.
* Find the right real estate agent for you.
Make sure you find someone that is knowledgeable of the town you are looking in and that they can assist you in your home ownership goals. Most agents are happy to schedule an appointment with you.
* Know what is going on in the market.
If you hear interest rates are on the rise or that they are at historic lows, don’t assume either. Rates change on a daily basis depending on what is going on in the market. You are free to shop for the lowest rate out there, but also be aware of the closing costs that go along with the transaction.
* Find a Mortgage Lender
Before you even begin to look at new homes, contact a mortgage lender to see what you can actually afford. You want to make sure that the price range you are looking at you can actually afford. Your agent can refer you one, or someone at your local bank can point you to one.
* Get Pre-Qualified
Once you speak with a mortgage lender, they will take an application and pull your credit. They might ask you for some supporting documentation as well. At this point they can give you a pre-qualification letter that will make your offer on a new home look that much better.
Please consider my friend and business partner Brittney Campbell with Franklin American Mortgage (Licensed Mortgage Loan Originator NMLS 184975 located at 6100 Tower Circle Franklin, TN 37067 Direct 615-778-2664 Cell 615-491-4744 ). And of course, I am always here to offer advice "MERRY CHRISTMAS and have a HAPPY NEW YEAR"....
...."You've got a friend in Real Estate"
Jarod Tanksley 615.403.8265
Twitter - @Tips4RealEstate
Brentview Realty 615.373.2814
To many people the outside appearance of their home is not important. However research has shown the curb appeal of your home is the most important feature of your home.
Clearly the appearance of your home from the curb is often why someone wants to see the inside of your home. Apparently it is also deemed true, the inside of your home is assumed to be as neat in appearance as the portrait you paint with the outside appearance.
The very first thing your potential buyers see is the outside of your home If there are cracks in the driveway, untrimmed trees, and weeds galore it is assumed the inside must have maintenance issues as well. This is a quick assumption that there will be stress involved in this purchase. This stress translates into dollar signs in the mind of the buyer at that very moment of arrival and seeing the outside appearance of your home.
You want your home to stand out against the competition in your price range. If you want an honest opinion you should seek the help of a professional. If your curb appeal is outside my realm of expertise then I will bring in someone who knows. I can always help you in getting your home ready to show to prospective buyers.
Always remember I am here to answer any question or give any advice .... "You've Got A Friend in Real Estate"
Jarod Tanksley 615.403.8265
Brentview Realty 615.373.2814
