TO START YOUR HOME SEARCH, LOG INTO: www.lindsay.listingbook.com AND REQUEST A FREE ACCOUNT FOR ACCESS TO ALL TRIAD HOMES FOR SALE!
Steps to a successful home purchase process!
1) Determine your budget and how much you can afford.
2) Get pre-approved for a mortgage.
When applying, you’ll most likely need to furnish:
Two most recent pay stubs.
W-2 forms for the past two years.
Federal tax returns for the past two years.
Last two months bank statements.
Long-term debt information such as credit cards, auto loans etc.
A lender will check your credit to see if you’re a good candidate for a loan.
If your credit rating is poor, there are things you can do to improve it.
Make sure the report is correct. If not, call to fix it.
Begin to pay your bills on time.
Use two to four credit cards so you can keep track of them.
Keep a separate checking and savings account.
Keep the same job for a few years.
Pre-Approved: confirmation the lender will give you a commitment to support your purchase. Pre-Qualified: an estimate of what you can afford. Being pre- approved makes you a more attractive candidate to the seller when making an offer.
3) Calculate your budget.
To estimate your budget, add up your total financial worth and then subtract all the cost in the purchase.
Some expenses you may carry:
a.Down payment
b.Mortgage
c.Insurance
d.Taxes
e.Points
f.Attorney’s fees
4) The Fun Begins!
Before you search for your dream home, some things you should consider:
a.Size of property
b.Type of neighborhood you desire
c.Quality of school system
d.Nearby public transportation
e.Urban or suburban
5) Writing the Offer!
Once you’ve found the perfect home, I will write up the offer and ensure all
paperwork and activities are completed so you can close on your property.
6) The Closing
This is the meeting where the transaction is finalized. I will guide you through all closing procedures to make your home officially yours.
CLICK ON THE LINKS BELOW TO REVIEW DOCUMENTS THAT WILL HELP YOU GET STARTED IN THE BUYING PROCESS!
Information for Sellers
TO START YOUR HOME SALES PROCESS, LOG INTO: www.lindsay.listingbook.com AND REQUEST A FREE COMPARATIVE MARKET ANALYSIS!
HOME, SWEET HOME SELLING STRATEGIES – WHAT DOES IT TAKE TO CLOSE THE DEAL IN A BUYER’S MARKET?
What does it take to sell a home in a buyers’ market – a fresh coat of paint or a kitchen overhaul? Lowering the asking price or offering incentives? From cosmetic to strategic, smart sellers can take advantage of a few simple tips to get the most out of their properties. Here are six strategies from the professionals to securing a “sold” sign:
Boost Curb Appeal. Though they may be obvious, cosmetic upgrades like painting and planting can truly go a long way to forming a fantastic first impression of a home. And be sure to clean, clean, clean!
Make Big Fixes Where Possible. If budget allows, invest in bigger improvements. Focus on “make or break” rooms like bathrooms and kitchens, because nothing says “uninviting” like an unattractive cooking space. If budget is limited think about smaller home improvements in these areas which could help close the deal.
Let the Internet Work. Free online tools at can assist in gauging a property value including home improvements that have been made to the home. Using online resources allows a dialogue with the real estate broker who can assist with setting the right price for the home.
Transparency is Golden. Getting a preliminary professional home inspection and sharing it with potential buyers may help them understand a home’s condition and reinforce that everything is being done in a trustworthy and responsible manner. Make sure to be clear about recent improvements that have been made, and provide estimates on other optional upgrades – especially ones that can be included as part of the agreement.
Go the Extra Mile. Have the home pre-inspected and follow up by making necessary repairs. Allow potential buyers to see the report and receipts for the work. Offering a home warranty could also sway a buyer to make a purchase. Buying down mortgage rates or pay points on behalf of the buyer is another suggestion.
Be Realistic. Selling in a buyer’s market takes skill and strategy. In most markets, increased inventory has given buyers the opportunity to be selective in the home they want and the price they are willing to pay. Properly priced homes are selling and a sales associate will help determine what that price should be. Also understand that it normally takes a bit longer to sell a home in buyer’s market than in a seller’s market.
CLICK ON THE LINKS BELOW TO REVIEW DOCUMENTS THAT WILL HELP YOU GET STARTED IN THE SELLING PROCESS!
Information for Buyers
Lindsay Brandon
336-813-5256
