Posts with tag 'First-time buyers'
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30
Buy a Home: How Soon Should I Get Pre-Approval?
Securing pre-approval for a home loan is as good as money in the bank. It makes it possible for our real estate agents to help focus your home search, and it gives you an advantage at the negotiation table. However, your pre-approved status doesn't last forever, and you'll want to carefully read the lender's terms and conditions so that you don't get pre-approved too early.
The 60- to 90-Day Window
It can take anywhere from three days to a week for a lender to review your pre-approval application. Once approved, most mortgage pre-approvals are valid for between 60 to 90 days. In limited cases this window may extend out to 180 days. This is a short window so you want to maximize your efforts during this period. It's a short period because there is a possibility your credit score will change the more time elapses.
14
Home Insurance 101: Get the Coverage That's Right for You
Buying a home is one of the largest investments you will ever make. Your home is more than just a place to hang your hat and raise your family; it's where you'll put a solid foundation under your financial future. Our real estate agents know that the right homeowner's insurance policy protects that future and the following are things we advise you to consider when deciding which policy is best for your property.
- Comprehensive Coverage is Worth Every Penny
Most mortgage lenders will require you to secure a comprehensive policy. Comprehensive coverage protects the property, your family, and the possessions within your home. It also provides personal injury liability protection if someone suffers an injury on your property.
2
Buying a House: How Do I Raise My Credit Score?
Buying a home is probably the biggest investment you'll make in your lifetime. A good credit score shows lenders you're a good risk for a mortgage. Not only are you more likely to be approved, but you'll also qualify for the lowest interest rates, which will save you thousands of dollars over the life of the loan.
Is your credit score lower than you'd like it to be? Fortunately, it doesn't have to stay that way. Our real estate agents share their top tips for safely raising your credit score.
22
Secrets of Successful Home Buying
Buying a new home is exciting, and if you are honest, a little scary. Our real estate agents have years of experience making the exciting part of home buying win out over the scary. Let's take a quick look at seven habits of successful homebuyers.
- Do Your Homework
When it's time to begin your search for a home, you don't need to spend time looking in places you don't want to live. Spend some time researching the Twin Cities neighborhoods to see which ones fit your family's needs. How close do you want to be in your workplace? Are good schools important to you? Do you enjoy spending time outdoors in neighborhood parks? These questions can help narrow your search area.
22
How to Compete with All-Cash Offers When Buying a Home
At Counselor Realty, our goal is to help you get into your dream home – no matter what it may be. Sometimes, the most desirable homes will already be attracting potential bidders. Still, you can reach your goal with any home, even those where other bidders are offering cash.
It's true that an all-cash bid simplifies and accelerates the transaction. However, that doesn't mean your bid is doomed if someone else is offering cash. With the help of an expert real estate agent, you can think creatively and find ways to counter another bidder's advantages.