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social media posts - buyers set 3

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P1

Another Buyer Tip for you!
 
👉  What does “Pending” mean in real estate?
 
In real estate, pending means that a property’s seller has accepted a buyer’s purchase contract, but the home isn’t sold yet, because some conditions that must be met first. Pending is short for ‘sold pending conditions’ or ‘sale pending’.
 
The more you know!  🏠

P2

I have a few open appointments this week – anyone want to grab one of them?

P3

Credit score reports help lenders decide if they’ll give you credit or approve a loan.

These reports also help determine what interest rate they will charge you.

If you’re thinking about buying a home in the future, be sure to keep your credit in great shape. Otherwise, you could end up paying for it in the future – literally!

 

P4

These days, low-ball offers on move-in ready homes typically do not fly. When housing inventory is low and demand is sky-high, you will likely need to come in with a respectable and competitive offer.

Low offers can be insulting to sellers and are generally not a good way to open up a transaction.

If you really want the home and it is priced reasonably, offer close-to or at list price. In some markets, you may even want to offer over list price to secure the home of your dreams. This is where a great agent will help you come up with a winning offer-strategy. 

P5

Let’s talk home owner’s insurance. It’s not something most homebuyers expect they need, but if you’re financing you are going to need to buckle down and find a company to go with. 

First things first, why do you need homeowner’s insurance? It’s there for when your home get’s damaged, personal items get stolen, or to protect you from liability. Your lender wants to make sure your home will be A-okay when disaster strikes, since they are lending you the money for the home. 

Regardless, you can end up saving more than you would think when it comes time to repair your home.

P6

Buyer Tip Time! 

This may seem like an obvious tip but it is one that could make or break the deal on that house you have under contract. 🏡.

When you buy a home, you are going to start perusing new furniture to go in it, or maybe that stainless steel fridge at Home Depot that’s on sale, as well as all the other things that come with decorating and creating that cozy abode of yours.

However, before you head to that furniture store, be sure you make those purchases AFTER you close on your home, otherwise you could be left with a new living room set and no living room to put it in! 😳 

P7

To calculate ‘how much house can I afford,’ a good rule of thumb is using the 28%/36% rule, which states that you shouldn’t spend more than 28% of your gross monthly income on home-related costs and 36% on total debts, including your mortgage, credit cards and other loans such as auto and student loans.

P8

Buying an investment property is an effective way to generate income.

⚠️ Proceed with caution though – there’s a lot to think about before pulling the trigger. ⚠️

Be sure you evaluate the expected income, expenses, returns, rewards, and all of the risks that come with purchasing an investment property. 

🏠

P9

Short Answer: Yes, and they’re rising fast.

Just three months ago, housing experts expected rates for the benchmark 30-year fixed-rate mortgage to clock in between 3.1 percent and 3.4 percent by this time.

What a difference a few weeks make: Rates have ratcheted up quickly since the beginning of the year, surging near 4.75 percent for the 30-year mortgage and just below 3.9 percent for the 15-year mortgage loan, according to Bankrate’s national survey of lenders.

Unfortunately for prospective buyers and refinancers, this costlier rate climate is probably the new normal, and all markers indicate higher mortgage rates in the weeks and months ahead.

P10

Self-Employed and wanting to purchase a home? No worries! As long as you have these items, you’ll be good to go! 🏡📦🔑

P11

Choosing the right mortgage lender is a critical part of the biggest financial decision of many people’s lives.

You want to find someone who will not just help you find what you think you need, but will also inform you about the options you didn’t even know existed.

You want a professional who will point out and translate all of the fine print, so you can make an informed decision and understand the tradeoffs.

That’s why shopping around, reading reviews, getting recommendations & asking lenders questions are just a few ways you can go about making that important decision.

P12

Before you even start browsing homes on the web, you need to know what price range to look at. Are you approved for $300,000 or $500,000? There are many factors that go into a pre-approval. Knowing what your budget is ahead of time could save you the heart ache of finding your dream home and then realizing it’s out of your price range. That’s why it is so crucial to get pre-approved first. 

Home shopping is not only the start of the home buying process, but it can be the longest part of the journey. Why so long? Buyers have expressed that finding the right house was the most difficult step in the entire process.

Once you’re under contract, the lender will take it from there and in about 30-45 days, you’ll be receiving those keys to your new home!

P13

The stages of home building!

The first stage of homebuilding is an exciting one with several important milestones. 

Foundation & Framing: This is one of the most important stages of construction. All of our foundations are designed by a licensed professional engineer and are inspected by a technical representative of the engineer before and during concrete placement. After the foundation is in place, the structure is ready to be framed, a process that normally takes one to two weeks.

Sheetrock: This is an exciting stage. Finally, your home is beginning to look less like a construction project and more like a home.

During this stage:
  • The sheetrock, also called drywall, is installed.
  • It is then taped and floated to cover fastener holes and seams.

Last stage is your home completion! Once the interior of your home is complete, finishing touches are made on the outside. Then it’s time to transition the home over to you, its new owners! 

P14

Whether you’re building a house from the ground up or are customizing a prefabricated unit in an existing development or building, most new construction homes feature builder-grade products.
Unless your contract says otherwise, there’s a good chance everything from your doorknobs to your light fixtures will be builder-grade, which means basic materials and lower quality than possible upgraded options.
For this reason, many people who purchase new construction homes choose to upgrade their properties’ features during the building process.
To get a sense of how much money you may need to allocate toward upgrades, ask your builder for an opportunity to view finished models. From there, you can compare what you see to what’s specifically called out in your contract.

P15

With housing inventory being at an all time low, there has been an uptick in people wanting to build the home of their dreams. This month, I’ll be highlighting New Home Construction by sharing tips and the pros/cons when building a home versus purchasing a resale home.
 
When buying a new construction home, you get to customize the house to suit your needs. You won’t worry about having to retrofit an existing house with the amenities that you are looking for.
 
Instead, you can have them built right into the house from the get-go. However, it’s important to make a plan mapping out those needs before heading into the sales office with your Real Estate agent.

P16

Everyone knows that in the world of Real Estate, it’s all about Location! Location! Location!
Truth be told, location is probably the most important determining factor when buying a home, because no matter how much you like the actual house, the location isn’t something you can change.
 
While there are often little things we can overlook when choosing a home, our location impacts our daily lives.
 
Here are some fun statistics on what home buyers consider when choosing a neighborhood.

P17

Making a backup offer can help savvy home buyers get into the home they really want even after it’s seemingly been snatched up by another, but buyers should take time to consider the pros and cons of making an offer on a home that’s already under contract.

Whether this tactic will make sense for you depends on your home buying timeline and how flexible you’re willing to be.

Have questions about backup offers? Did you find a home you love but it was already “Pending”? Let’s chat and see if a backup offer is an option for you!

P18

I’m here to help! What questions do you have about new construction or building a home? 

P19

6 Mistakes to Avoid As a First Time Home Buyer

Make sure you have a decent credit score so you can get financing for your home.

This leads me to #2 – make sure you get pre-approved before you see any homes. 

Don’t forget about those closing costs! I can help you determine what those may be. 

Inspections are a must! Don’t skip this one. 

Sometimes buying a home can be so exciting – we can get a little carried away. Make sure you aren’t depleting your entire savings trying to get your first home. You never know what you might need those funds for as a new homeowner. 

Be sure to consider the resale value of your home!  

P20

🏡 Myth Busters: Real Estate Edition 🏡

Here’s a big misconception in the real estate world – that cash offers are always better than financed offers.

This isn’t necessarily the case! Depending on what the terms are of a financed offer, it could be more appealing for a seller. It could be offering the seller a higher amount, so the seller is netting more money in the end – there could be a leaseback involved for a seller letting them stay in the home for a short period of time after the closing of the home – and/or various other scenarios that trump a cash offer. 

P21

🚨 New Construction Tip 🚨

There are some incredible apps out there you can use to plan out your new home. Design a floor plan or see how you can arrange the furniture in your up and coming home.

These are great tools you can use when deciding what floor plan works best for your needs!

P22

🏡 Myth Busters: Real Estate Edition 🏡
 
In the world of real estate, “for sale by owner,” or FSBO, means that the homeowners haven’t retained a real estate agent to help them sell their house.
However, if you’ve found a FSBO that you’re wanting to purchase, you can—and should use a real estate agent to assist you in purchasing the home. Most FSBO sellers will offer a commission to the buyers agent.
 
It’s always in your best interest to have your own real estate representation, someone who is “on your side” and guiding you through the home-buying process. An agent will confirm, for instance, whether a home’s price is reasonable, help you put together a convincing offer, and negotiate the inspection and other issues that might arise on the way to the closing table.

P23

It’s New Construction Tip Time! 

Pinterest is a great resource to use when building a home. You have the option to create boards for the different rooms in your home where you can save decor ideas that will come in handy at the design center. 

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