Welcome to Charlottesville
Virginia!
Where you will feel
right at home!
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First Time Home Buyers
Should I buy? Should I rent? How do I get Financing? Who can I trust? What is Dual Agency?
Questions, Questions, Questions.... there are a lot of questions and you have just found a resource for all the answers.
Working with First Time Buyers is very rewarding for me as I get to help you in a new experiences. We will locate the perfect area and the perfect place that you are comfortable with and can afford.
You will be introduced to lenders, attorneys, home inspectors, and it will be an education. What I want you to know is I understand that you have never done this before, but rest assured that I have.
more to consider:
When you are a "First time Home Buyer" there is a lot to consider and it can be overwhelming. Here are a few things you need to do and consider:
Get Pre-Qualified: Talk with a local lender, in fact before you purchase I recommend you talk to 3 lenders. This can help determine how much of a home you can afford. There is no reason to look at home that are not in your price range. With competitive rates you may find that the range is much different than you think.
Get a Pre-Approval Letter: This is a written commitment from a lender that will be used when we write a contract on your new home. It is critical in today's market that we have this in place. By the way, some lenders have gotten me this information after a 10-15 minute phone call with my client. So this is not really time consuming, just make the call.
Get proper Representation: Use a Buyers Agent. someone who is truly working in your best interests and NOT the interests of the seller.
Wants and Needs: These are two different things and it would help you to make a list of each. Needs should be the things you must have in a home, like 3 bedrooms, location or an office. Wants are just that, things that would be nice like a 2 car garage or hiking trails, etc....
Staging is Part of Selling: Seller will stage a home to present it in the best light they can. You have to be aware that the home will look different with your furnishings. Keep this in mind when we are looking at properties.
Your Agent in Charlottesville Virginia,
Charles McDonald
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