5 Tips For A First Time Home Buyer In The Columbia Metro Area
5 Tips For A First Time Home Buyer In The Columbia Metro Area
I have thoroughly enjoyed working with First Time Home Buyers because they have so many questions. So I have decided to share with you 5 tips to help you through the web of information. My experience has been that most of you get a lot of information from reading on the internet and watching real estate shows. What is great about the real estate profession is that no matter what market you're in the laws and regulations are very similar. Keep in mind that each market does have their differences in how business is conducted and what the normal processes are. This is why it's so important to make sure that you have a licensed real estate agent under an agency agreement. This secures them as your representative and they are going to look out for your best interest.
1. What loan program will you be using for your home purchase?
Before you start looking at properties you MUST speak to a lender about what type of loan you qualify for. Each lender has different qualification standards and each loan program does too. If you are looking at homes without knowing, you are wasting time and energy. You could be looking at $100,000 homes when you qualify for more. You don't want to miss out on buying something you can grow into with the rates the way they are now. If you are using a USDA Rural Housing Loan then we need to make sure that the homes you are looking at qualify for this loan based on their address. There are special loans out there for low to moderate zoned housing that qualify for 97.5% loans with no PMI. It's very important to me as your agent to know these things. It helps narrow down your search because although showing houses is really fun, my job is to negotiate and advocate for you throughout the transaction. There are many roles I take on behind the scenes that we will get to.
2. What is more important to you; commute time, schools, or lot size?
In other words... location, location, location. By this time we know what you're price range is so we want to find out what homes are available that are a must have. Maybe commute isn't an issue but what school your zoned for is. This helps me narrow your search down to neighborhoods that fit your wish list.
3. Be a stalker!
If you see a property on my site that you think will fit your dream home wish list, then drive by the house. Drive through the neighborhood. Look at house the traffic is from this home to your job. Is there a bus stop for your kids or will you need to drive them to school?
It is so important to keep in touch with me about your schedule. Some homes are not available to show right away. It may be occupied or there may be a renter. My goal it to accommodate your schedule but not only do we have to consider both of our but we also have to consider the home owners'. Be honest about what you see during the showings. You won't hurt my feelings at all! ASK QUESTIONS!! No question is not worth knowing. I love this business and want to share everything I know.
5. Exclusive Agency Agreement
This is a document that assigns me as your agent, legally. If you are not a client then legally if a seller's agent asks me questions about you then we must disclose to them. With the agency agreement then my loyalty is with you. Confidentiality, Your best interest, etc.... I can not start anything on your behalf until we have a client/agent relationship in writing. Don't worry about the commitment!! It's designed to protect you and your best interest.
Search properties on my site, save them by clicking on the heart icon. You have all the features you need directly on my site including aerial views and street views. You have everything at your finger tips on my website. It is a direct feed from the MLS. Every home Every Neighborhood in the Midlands! If you need more information about a special property you will need to contact me about things like roof, hvac, improvement details.
Columbia Metro Area Homes for Sale: Yvonne Pinelli, Real Estate Agent with Exit Midlands Realty in Chapin , SC. Advocating for sellers and buyers with professional real estate services. Nothing compares to having a real estate agent providing true data and research to make an informed and educated decision. You can get information about real estate in Columbia, Chapin,Irmo, Lexington SC by contacting me: Yvonne Pinelli 803-586-9070
Author:Yvonne Pinelli Phone: 803-586-9070 Dated: March 11th 2015 Views: 1,034 About Yvonne: No one makes oatmeal raisin cookiesthat taste as good as your Nana's. That tattered old blanket you...
Chapin, SC is known as "The Capital of Lake Murray" and with good reason. The residents of Chapin enjoy a relaxed lifestyle with the convenience of the city. Columbia, SC is just a quick 20 minute drive and shopping is even closer.You are embarking on an exciting journey, be sure that you find agents that will take time and share your enthusiasm during this process.
EXIT Midlands Realty is a full service real estate firm dedicated to assisting our clients with the purchase and sale of real estate in the Greater Columbia Area. We were founded in 2005 and quickly grew into one of the most innovative and knowledgeable firms in and around Columbia. Our staff is made up of full time professional agents that are dedicated to the profession of listing and selling real estate.
Call one of our experienced agents to assist you with your real estate needs. It would be an honor to work with you.
113 Cedar Crest Lane$399,900Stunning executive home filled with tons o
""I was referred to Steve in the late part of 2015 from a co-worker that bought a house and at the time I was mentally ready to buy but my credit scores/budget was not. I called Steve back in 2015 to get information which he gave me some financial companies to try but at that time I could not get the financial approval. I told Steve at that time that I needed to work on my credit scores and I will call him back. Again this was 2015…. Thinking that I would never hear from him again since I was not prepared, Steve continued to call me every few months to check on the status of my situation and he continued to give me feedback, general information and tips along the way. Not only was I a single parent with a poor credit score, but I had faced some other challenges such as 2 surgeries in 2016 and a job layoff. Thankfully, through all of this, I continued to payoff credit cards and work on my credit score and finally in July of 2017, I got the approval I needed to purchase my very first home. And of course, the first person I called was Steve! Let’s face it, relationships don’t even last as long as the relationship Steve and I established in finding my 1st home. The customer service and communication that Steve provided is rare in this day and age. Thankfully I closed on my very first house 2 weeks ago and I am overjoyed with excitement that I am able to provide a home for my child. Steve was with me every step of a way and is a testimony for others out there looking to acquire home ownership or for the ones that feel it will never happen. I would recommend Steve Slavich with the Exit Realty team any day and will continue to place my trust in him for any future real estate endeavors that I may embark upon. Thanks Steve!""