by Julia Odom, the Chattanooga Real Estate Bloggess
I work with first time home buyers quite often and most are intimidated (to say the least) by the home buying process. Here’s a little secret: it’s really not that hard. Do your homework beforehand, choose a Realtor (like me!) and a lender you can trust and then, barring something strange happening, you’ll likely go… Read More
Click here for part I of this series Done with steps 1-5? Are you ready to actually start looking for your new home? Nope, not yet, false alarm. 6. Start thinking about what type of loan programs you might qualify for. Are you a veteran? First time home buyer? Are you flat busted broke or… Read More
Haven’t read part I or part II? Clickity clack on over to see those first. OK, so you’ve found the house of your dreams, you’re pre-approved for a mortgage, you have a good Realtor (like me!) on your side. What’s next? 11. Writing the offer. This step really deserves its own post or three (which it… Read More
Check out Part I, Part II & Part III if you haven’t already. You have a binding agreement, you’ve done your inspections and either re-negotiated the contract or decided to live with the house, warts and all. What’s next on the agenda? 16. Pay for your appraisal. Your lender or another third party will order… Read More
Hey Jules! I’ve come to the party late, where’s the previous thrilling installment? Glad you asked. Right here. You’ve picked out your title company, insurance company and you’ve stayed on top of the process. Now what? 21. Schedule your closing. Eeeek, we’re getting close now (no pun intended). Your contract will specify a closing date…. Read More
What goes into an offer? The terms are more than just price even though price is obviously a big factor. Some of the things you also need to think about: contingencies, possession, & closing costs. Contingencies Generally, the fewer contingencies you include in an offer, the more likely the seller is to accept your offer… Read More
There are lots of variables to consider when making an offer. That’s where a good Realtor (like me!) comes into play. We already talked about a few of them and now we’re homing in (no pun intended) on the grand-daddy of all variables: PRICE There’s no better way to make an agent -or maybe it’s… Read More
In part one we went through some non-price related items to consider when making your offer and then in part two we talked a little about how much you should offer. In the last thrilling installment, we’ll look at a few other variables for your offer price. Who owns this joint? There are a few… Read More
Many new potential homeowners look at their monthly payment and think ‘Hey! That’s less than I’m paying for my apartment.’ What they don’t always consider is the added cost of having your own place. So what should you consider when you are making out your newly-house-proud budget? The obvious: Principle and Interest You can figure… Read More
One of the things I end up talking about quite a bit as a buyer’s agent is earnest money. So, Jules, who is Earnest? Earnest is the guy who whispers in the ear of the seller that you are ‘earnest’ in your intention to complete the purchase of their home. It’s easy to sign a… Read More
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