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Business ​VIEWS Blog

Learn about our valued Membership. SCCCC is your source for relevant and timely industry insights and news - at your fingertips!
SCCCC Members: Submit your business blog via email to [email protected]

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​Home Buying 101

5/11/2019

34 Comments

 
Have you been thinking about buying a house but don’t know where to begin? A good way to start would be to speak with your local mortgage broker. Mortgage brokers act as an intermediary between you—the borrower—and a mortgage lender. A broker doesn’t lend you the money directly but can help you find the right mortgage loan for your needs. A broker can also do the legwork of researching different lenders and make your loan process simpler.
 
With interest rates at a 12-month low, it’s the right time to take advantage of cheap money. When you meet with a mortgage broker, they will take the time to sit with you and match a program tailored to your financial situation. Different programs offer different down payment options which, in turn, require distinct qualification guidelines. The biggest qualification guideline to consider is your debt to income ratio. This is calculated using your gross monthly income compared to your monthly debt payments (mortgage, credit cards, car loan etc.) in order to see how much you qualify for. After meeting all the qualifications, your mortgage professional will supply you with a prequalification letter which will then be given to your real estate professional.
 
Real estate professionals will meet with you and discuss your home buying needs during a home buyer consultation. During this meeting, which can take place anywhere from the office to a bar, he/she will assist you in clarifying what you really want in a home. This is an important first step to acquiring the right home for your lifestyle.
 
Now, this is where the fun part begins–house hunting! The first thing you should do is brainstorm what type of house you could see yourself living in. Do you want a yard, a pool, a finished basement? How many bedrooms and bathrooms? What’s your style? You’ll want to have your "wish list" together when you meet with your real estate agent at the buyer consultation. Once you know what you’re looking for, your real estate agent can start sending houses your way.
 
Once you find one you like, you will schedule a "showing". At the showing you’ll want to walk around the house and jot down the positives and negatives:
  • Does the kitchen need to be updated? 
  • Does the roof look old? 
  • Is there a weird smell in the basement? 
 
A good realtor will point out the things you need to watch out for but ultimately, it comes down to the home inspection (which is done after your offer is accepted). The home inspector will examine the property within 10 days and point out all of the major defects in the house. Your real estate agent will gather all the information and negotiate with the seller to either have these problems fixed or give you a credit to make the repairs after settlement.
 
Once you find the perfect home, your real estate agent will walk you step by step through the documentation needed to write an offer. Remember, it’s a sellers’ market right now, which means there is a lot of competition when bidding on a home. You will want to make your offer strong and have everything ready to pull the trigger. Your real estate professional will no doubt have a few tricks up their sleeve to help you win the bid on the house of your dreams.
 
If you or someone you know is looking for a mortgage consultant and real estate agent, be sure to check out Pat McRae with Pike Creek Mortgage Services, Inc., and Johnny Saraceno with Weichert Realtors. With $20 million in home sales, and close to 120 homes sold, you can trust that Johnny and Pat will work together to help you buy, sell, or refinance your home.  
Submitted by SCCCC members:
Pat McRae
​Pike Creek Mortgage Services, Inc.
302-892-2811

Johnny Saraceno
Johnny Saraceno-Weichert Realtors
610-675-5363

34 Comments
Staging Services link
9/28/2021 10:01:51 am

Thanks for this informative article. I still remember the time that I'm new to the industry and it was difficult for new buyers to close a deal due to many reasons. Overall, it was a great blog and gained new insights on real estate,

Reply
Mortgage Broker Australia link
3/22/2022 12:47:49 am

Thank you for sharing your blog. Keep on posting.

Reply
bridging loan link
6/10/2022 04:05:47 am

Informative article! Been planning to buy a house but don’t know where to begin. This will be a big help to start our plan.

Reply
Genieknows Mortgage link
9/7/2022 05:20:22 am

I am writing to you to ask for your help in finding a reputable attorney specializing in personal injury cases.

I was recently injured in a car accident and will require legal representation.

I have been referred to you by a friend who said you would be able to help me.

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Reply
Becky Mead link
3/10/2023 11:43:50 am

Real estate professionals will meet with you and discuss your home buying needs during a home buyer consultation. During this meeting, which can take place anywhere from the office to a bar, Thank you for sharing your great post!

Reply
Amos Jones link
3/11/2023 01:59:35 pm

The first thing you should do is brainstorm what type of house you could see yourself living in. Do you want a yard, a pool, a finished basement? I truly appreciate your great post!

Reply
Broker For A Mortgage link
3/21/2023 12:32:33 am

I really love your insights. I hope I'm excited to buy a new home. Thanks for the information about home buying.

Reply
Greeley Farm & Ranch Realtor link
5/26/2023 10:52:16 am

Thank you for sharing this useful information! We hope to see more of the valuable content you provide. Keep up the excellent work! If you are looking for professional services , Check out

Reply
tennessee commercial property for sale link
6/27/2023 11:13:44 am

Thank you for this insightful blog post on real estate! As someone interested in the housing market, your article provided some valuable information and considerations.

Reply
conveyancing sutherland link
8/24/2023 04:05:00 pm

Okay, so you probably didn't anticipate this when you asked for advice for first-time house buyers. But it is unquestionably the most crucial. Even though your monthly house payment will be less than your current rent, owning a home is significantly more expensive than renting. As a homeowner, you are in charge of everything. Maintenance costs and accidents can mount up!

Reply
Michael Burke link
9/7/2023 03:02:53 pm

Your home buying needs during a home buyer consultation. During this meeting, which can take place anywhere from the office to a bar, she will assist you in clarifying what you really want in a home. This is an important first step to acquiring the right home for your lifestyle. Thank you, amazing post!

Reply
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Larry Johnson link
4/8/2024 05:24:28 pm

Realtors will meet with you and examine your home purchasing needs during a home purchaser conference. During this gathering, which can occur anyplace from the workplace to a bar, I truly appreciate your great post!

Reply
Michael Myers link
4/30/2024 05:37:02 pm

You will need to make your proposition solid and have everything prepared to pull the trigger. Your real estatewill most likely have a couple of stunts at their disposal to assist you with winning the bid on the place of your fantasies. amazing post!

Reply
Philip Busey link
5/6/2024 11:34:48 am

Its a sellers market right now which means there is a lot of competition when bidding on a home. You will want to make your offer strong and have everything ready to pull the trigger. Thank you for taking the time to write a great post!

Reply
Sharon Cureton link
5/12/2024 02:23:06 pm

The home inspector will examine the property within ten days and point out all of the major defects in the house. Thank you for making this such an awesome post!

Reply
George Jones link
5/15/2024 11:36:31 am

But dont rush. If you rush into buying a home without knowing home buying, you might find yourself in a sticky situation. Thank you for sharing your great post!

Reply
Michael Griffin link
5/15/2024 12:02:50 pm

You will want to make your offer strong and have everything ready to pull the trigger. Your real estate professional will no doubt have a few tricks up their sleeve to help, I truly appreciate your great post!

Reply
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Reply
Stephen Holley link
7/5/2024 06:09:37 pm

You will need to make your deal solid and have everything prepared to pull the trigger. Your realtor will most likely have a couple of stunts at their disposal to assist you with winning the bid on the place of your fantasies.

Reply
Leon Speidel link
7/6/2024 10:54:16 am

Have you been contemplating purchasing a house however don't have the foggiest idea where to start? An effective method for beginning is talk with your neighborhood contract representative.

Reply
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8/1/2024 10:53:07 pm

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Tom Sullivan link
8/9/2024 04:05:58 pm

Your realtor will assemble all the data and haggle with the dealer to either have these issues fixed or give you a sound representative for make the fixes after settlement.

Reply
Glenn Huguley link
8/14/2024 07:01:02 pm

You will need to make your deal solid and have everything prepared to pull the trigger. Your realtor will presumably have a couple of stunts at their disposal to assist you with winning the bid on the place of your fantasies.

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Reply
Lonnie Decker link
11/11/2024 09:23:44 am

Great insights on the home-buying process! I particularly liked how you broke down each step, from securing financing to understanding market trends. It’s important for first-time buyers to know all the details before diving in. The tips on working with agents and getting pre-approved were especially helpful. Thanks for making this complex process easier to navigate—these steps definitely set a solid foundation for anyone looking to buy a home!

Reply
Samuel Russo link
11/12/2024 08:38:27 am

Great insights on the home-buying process! It’s crucial to understand the importance of budgeting, securing financing, and working with a knowledgeable agent to navigate today’s competitive market. Also, don’t forget to factor in ongoing costs like maintenance, property taxes, and insurance when planning your purchase. This guide offers valuable tips for first-time buyers and those looking to make informed decisions.

Reply
Bennie Hayes link
11/13/2024 08:18:40 am

Your "Home Buying 101" post provides great tips for first-time buyers, especially regarding the importance of understanding market trends and securing financing. The emphasis on budgeting and considering the long-term financial impact is key. I also appreciate the advice about working with real estate professionals. It’s vital to have knowledgeable partners throughout the process. Thank you for breaking it down clearly!

Reply
Thomas Yang link
11/14/2024 08:28:34 am

Great guide on the home buying process! It's essential to understand the key steps, like determining your budget, getting pre-approved for a mortgage, and considering long-term goals when purchasing a home. I particularly appreciated the tips about exploring different neighborhoods and conducting thorough inspections. It’s clear that taking a methodical approach helps buyers make informed decisions.

Reply
Virgilio Allen link
11/15/2024 08:22:42 am

Great insights on the home buying process! Your post highlights essential steps like determining your budget, getting pre-approved for a mortgage, and finding the right home. It’s crucial to stay patient and make informed decisions when making such a big investment. For anyone looking to buy a home, these tips provide a solid foundation to get started. I look forward to seeing more posts on the topic!

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Scott Roy link
11/19/2024 09:11:27 am

A great primer for anyone looking to enter the market. Understanding the basics of home buying can make the process a lot less daunting. This blog provides some excellent advice for first-time buyers!

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Carrol Fernandez link
11/20/2024 09:45:34 am

A solid resource for first-time buyers covering key steps in the purchasing process. It’s great for understanding the basics and building confidence.

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