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Anybody in real estate?
Ms Sans Serif
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[quote:WalkerTalker2:MV8yMDY3OTQ5XzM0Nzk1ODg5XzhCMzFENEQ3] good questions. I favor agents who dont show the clients the highest priced home, but the BEST deals ( I am that kind). Its a lot of fun seeing the inventory of the hot deals out there. It changes all the time.... Usually when you find a good agent you start looking the day you prequalify for the loan. You will soon develop an idea of what you like and want. Normally the agent gets paid a commision [b]after[/b] you buy a house, so there is no intial fee--or charges to prequalify you or take you out to view property or write offers. Its a lot of fun....and an emotional roller coaster ride for a lot of people, especially during the offer process and escrow. You will learn a lot, i am sure. Dont buy the first house. Look at half a dozen if you can. Ask the agent to pull recent "comps" and aim to buy UNDER current market by 5-10% if you can. Dont get too greedy and dont be in too big a rush. If the deal is hot- make an offer- dont delay- dont sleep on too many deals- give it an offer. Keep your agent busy-show up on time to view the properties. When you find the house you love, make a reasonble lower offer, and dont quibble too much when the seller counters at a higher price. Always , ALWAYS ask the seller to pay 2000 dollars towards closing costs, it saves you money if they agree. No matter what they say--there are not as many buyers out there now, so the sellers are motivated. FIND A BUYERS agent that will fight for a low price for you and not try to get you to hurry up (so he or she gets paid the commision). Seller pays the commision- but you enable it as you are buying the house.....Take your time, but be polite and respectful to people in the business. 'Hows that for some free advice!!?? Good luck [/quote]
I officially now have $30,000 saved up to buy a new home howeber I have very little credit. I only have one Visa card that I've had about 2 years. I get many offers in the mail just havn't followed up on getting a second one yet.
But If I'm looking for homes priced around $60,000 to $80,000 and put up around $20 to $25,000 for a downpayment (including closing costs) does my credit score really matter? My goal would be to have my morgage around $350 a month or cheaper. I take home after taxes about $1,400 a month.
First time home buyer so any help GLP can offer I would greatly appreciate it.
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