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It is always best to have representation that is working specifically for you. Hiring a Realtor should include an interview process to ensure he/she will provide an extraordinary service. Realtors are knowledgable with negotiations, market conditions, contracts, professional networking just to name a few attributes. Having a team player that possess the education and experience is the better choice.
Let your agent know how you want him/her to communicate with you and how often. Do you prefer phone calls, emails, text messages, IMs or all of the above? Set realistic goals and a time frame to find your home based on your criteria. Ask your agent how you can help by supplying feedback.
Do not feel silly for asking your agent to explain a form to you. It's his / her job to effectively communicate and clarify what's in writing. Many forms are second nature to agents but not to you, so ask for explanations until you are satisfied you understand. Communication can make or break a deal.
When it comes time to buy a home, if you are like most people you will be looking for a mortgage. Obtaining a loan with an interest rate you can be happy with requires having a decent credit score, which is why it is so important to know your credit score prior to shopping for a lender. Being aware offers you time to improve your score if it's not great by consulting with a credit specialist.
Being pre-qualified for a mortgage is not the same thing as being pre-approved. Pre-Qualification just means that a lender believes you may meet the requirements for a loan based on a soft inquiry into your credit history. A mortgage pre-approval means a lender not only reviewed your credit history, but also verified income documents and bank statements and based on the information the buyer should qualify for a mortgage loan. A pre-approval is must stronger than a pre-qualification and shows a borrower is much more likely to be approved for a loan.
Buying a house is a commitment? Whether you are buying your first home or have rented previously you may find yourself a little scared as you embark upon this journey. Being a homeowner is an exciting new role, but keep in mind that it is a big responsibility and a great investment. You will have many players on your team to get you through the process so your commitment is vital.