Looking for a the perfect home, and getting your offer accepted should be an enjoyable experience.
To be sure that your buying experience goes well, and doesn’t turn into a frustrating time, here are a few things that will help you accomplish your goal with a smile on your face, and the least amount of stress.
First, visit your lender to get pre-approved. I recommend getting two or three quotes on interest rates, and CLOSING COSTS, as this can vary quite a bit. If you only know of one lender, that is fine to start. A good Realtor will know of lenders in the area you are searching who offer the best interest rates, the lowest closing costs, and equally as important…has good communication skills. There is nothing more frustrating than trying to get in touch with your lender who doesn’t call you back pronto, perhaps causing you to lose out of a home that really love.
Secondly, and equally as important as a good mortgage, is a great Realtor. You want a Realtor who works full time, hopefully has years of experience in negotiating, has good communication at your convenience, and will advocate for your best interests throughout the buying process. It is always good to have a good working relationship when her/him to make the process more comfortable.
Thirdly, these days many brokerages are charging hidden fees such as processing fees, admin fees, data security fees. These fees were created back around 2006, and are basically money in the the brokers pocket fees. They range from $100 – $600, and this is a fee that unnecessary. The seller is already paying the commission, and the title company is already charging a processing fee. Home Advantage Real Estate does not charge this fee, in fact, we are offer $250 credit toward buyer’s closing costs through May of 2017.
When the time comes to make your move, we know of services that can help you get your utilities switched over, share with you the prices of these services to save you time in searching yourself, and our team has an assistant that can help you with this as well.
It would be wonderful to work with you in finding your dream home in Northwest Indiana this year. Now’s the time to move to Indiana where the taxes are low, the prices are still low, the schools are great, and Valparaiso and Chesterton are both nationally award winning cities.
Give us a call anytime at 219.531.8700. We look forward to help you.