Homebuying Myths

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Home Buying Myths

Buying a home can seem like a huge undertaking. You don’t need to be a first time homebuyer to find the process overwhelming. There is so much information available, how can youtell what’s true and what’s a myth? Understanding the difference can help you make the best decision for you and your family goals.

Top Home Buying Myths – And the Truth

  •   The First Step is finding the Right House – Before you head out shopping, speak with a lender to understand your financial options and how much house you can afford.
  •   You Can’t Buy a Home Without Perfect Credit – The truth is there are many loans available which still offer good interest rates for those without that perfect score.
  •   You Need 20% Down Payment – First time home buyers can use FHA financing for as low as 3.5% down. There are other programs too, such as VA and some conventional loans with less than 20% down also.
  •   You Don’t Need an Agent – An agent not only knows the market and can help you with value, but also customary charges, negotiations and solutions to common hiccups.
  •   Schools Don’t Matter if you don’t have Kids – The neighborhood is always important to home values, regardless of whether you yourself have children.
  •   New Homes Don’t Need a Home Inspection – Every home should have a home inspection by a licensed inspector to check for existing or potential problems.

    Buying a home is one of the most important financial decisions you’re likely to make in yourlifetime. Take the time you need to understand the process and learn from the professionals; don’t assume that everything you read is true.

The best Gift…

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The best gift you can ever give your family (besides tons of love) is the gift of home. From my home to yours…Merry Christmas.

Moments

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Christmas season reminds me of the importance of home. This was my grandson’s first Christmas photo and between the lights and the gifts, he was awestruck by the beauty of the season. Having a home means sharing wonderful memories and moments with your family. I wish this for you on this glorious holiday season.