Where do I start? Part two

At this point you have a great agent, lender and are now looking for your dream home.

Once you have found your dream home ask your agent to give you comps.  A seasoned agent or not, the market can change very quickly and you need to make sure you are making a good investment.  Once you are ready to write an offer your agent will prepare the contract to purchase.  This can be done in many ways... paper, internet or via sites like dotloop.  The method is not an issue, provided you are comfortable with it... however making sure you understand the contract completely is extremely important.  For most purchasing a home is one of the largest transactions they make in their life.  Do your homework! Read the contract! Ask your agent for a copy of the contract to review ahead of time. I have made a list of the top items you should know before you make an offer:
- Your monthly payment including principal, interest, taxes and insurance- make sure it is affordable
-How much earnest money you will put down
-How much do you need for your down payment
-What type of loan will you get
-Will you have a home inspection- HAVE AN INSPECTION- and how much will that be
-What other inspections will you want for the home
-Read HOA documents
-Double check the home facts
-If you are buying a fixer upper - will it pay off
-Look into the neighborhood

The offer is just the beginning....

April Hauser
Ryan Gillen Team
Irongate Inc., Realtors
937-305-5370

Where do I start?

We often have buyers that ask, what should I do first?  The first step is to find a realtor. You will want to find a good realtor that honestly cares for you and looks out for your best interest.  Check reviews online & ask for referrals.  Step 2 is find a trusted lender.  You need to have a pre-approval done in order to write an offer on a home.  This is extremely important and you could lose your dream home because you have not taken this step before looking.  –On a side note some agents will not tour clients unless they have the pre-approval in hand. –Other agents will show only one home and a few agents will not show at all.  If you download the Free Buyers Guide you will see a list of lenders we recommend. However, you can use any lender of your choice!!!!

April Hauser, Irongate Inc

Ryan Gillen Team

april.hauser@irongaterealtors.com

937-305-5370

Where do you start if you want to buy a home?

Home Buyer Education

As a Real Estate Agent we sometimes become so oblivious and accustom to our routine that we don't stop and explain the basics to our clients.  In a world of online contracts and simple e-signatures you can literary have a deal and never really see or speak to your client.  Very sad and I hope not the norm, but even I had to stop and call a client tonight because I realized I had not heard from him in weeks.

With this being said, Ryan and our whole team are committed to just that.  Teaching the basics.  I won't say that the client doesn't have a little do diligence but we strive to answer those questions up front.  Ryan has even created A Buyers Guide as a brush up for our buyers and we give them to every new potential client.  In this blog section we will start answering those questions.  Please feel free to comment or ask any questions you have and we will do our best to answer your questions and help you.

Start with This Guide and we will continue to address questions or concerns here.

New sweat equity listing in Springboro Ohio. Call us today to schedule a showing!

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