AS A SECOND HOME VACATION SPECIALIST, I recommend sellers to steal these 8 hotel design secrets:1. Make sure buyers get that same emotion when they step into your house: Re-create that
WHY YOU NEED A REAL ESTATE BROKER AND A LOAN OFFICER
Dated: July 9 2019
Views: 218
A few thoughts for a prospective Buyer: whether you’re a first-time home buyer or on your second or third home, it’s not always easy to make the best financial decisions. Here are some common mistakes we find among buyers:
BUYING MORE HOME THAN YOU CAN AFFORD- While the bank may qualify you for a generous mortgage amount, it’s not necessarily a good idea to take the whole amount. Don’t forget, the mortgage is still only one part of your monthly expenses. A good rule of thumb I recommend is to use as a base your current housing cost (rent or mortgage) and assess how easy or difficult it is to pay this amount every month.
NOT SETTING ASIDE MONEY FOR CLOSING COSTS – Buyers often get sticker shock at the closing table if their agent hasn’t outlined all the checks they will be writing. A Buyer needs a net sheet of the cost prior to engaging in the process.
CHANGING JOBS DURING THE LOAN PROCESS – or deciding to become self-employed during this period – Lenders want to see a two-year work history.
NEGLECTING TO KEEP A PAPER TRAIL FOR CASH GIFTS – Using a cash gift or windfall for part of your down payment requires a paper trail – a gift letter from Mom and Dad or other source -- and a bank statement showing where you deposited it.
APPLYING FOR OTHER NEW CREDIT DURING THE APPLICATION PROCESS – Banks are looking at your debt-to-income ratio when deciding on your loan approval. Something as simple as getting an additional credit card will reduce your credit score and throw the process out of whack.
Michele Vasilescu MA, '84 New York University
Why work with Michele? A FULL REAL ESTATE SERVICE YOU, the client, are UNIQUE in your life and your project. Listening to my clients and realizing their project is my main focus.&nbs....
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A few thoughts for a prospective Buyer: whether you’re a first-time home buyer or on your second or third home, it’s not always easy to make the best financial decisions. Here are some
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