Home Buyer Tips:
Pick a Real Estate Agent
Know who the agent is working for.
- Buyers agent?
- Sellers agent?
- Transaction Broker?
- Are you a client or a customer?
Pick an agent who will take the time to help you.
- Explains agency
- Returns your calls
- Has experience
- Will meet challenges as they arise
Building Credit
- Open a checking account, use it, and manage it.
- Know your balance
- Do not overdraw
- Apply for a credit card.
- Use the credit card
- Pay the bulk of the balance off monthly
- Apply for a Business or Gas Credit card
- Use the credit Card
- Pay the bulk of the balance off monthly
- Pay bills on time
- Do not overdraw accounts
- Use credit, but use it wisely
Picking a lender
- A Local lender can be held accountable
- Make sure your lender returns your calls, explains forms, documents and your loan
- Make sure you understand the loan program
- Be clear on mortgage terms
- Ask for a good faith estimate
- Save all documents and ask for explanation
Have the home inspected
- Professional home inspectors will check for major items in need of repair that you might not have knowledge in.
New Home Tips:
Safety
- Test smoke alarms and replace batteries
- Replace locks after moving into a new home
Money/Energy Savings
- Install water saving shower heads
- Insulate hot water heater
