Where Do I Start

Where Do I Start

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Have you been renting for years and are tired of rent increases, deposits, down payments, restrictions, and paying someone else's mortgage?  I have been there.  We bought our first home back at the end of 09 /begining of 2010.  I was tired of renting.  Paying all that money and having no ownership.  Paying more for something temporary than something permanent.  Luckily my mother was a realtor and I knew where to start but most don't have that luxury.  Where does it start?

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It starts with talking to a lender.  Most go with an institution or person they can place a foot in or a face they can sit in front of but be careful because bigger doesn't always mean better.  I went with my bank that had my personal financial information for the past 12 years.  Should be easy right?  Well that bank, who will remain undisclosed, sent me through a mound of hurdles and obstacles.  After 4 weeks of sending statements, paystubs, taxes, first born...... I'm kidding, we still did not have a "pre-approval" and I was losing my mind.  A friend of mine at work told me he knew a lender who wasn't apart of a big bank like the one I was dealing with.  I got his contact information and sent him an email.  I got a phone call within minutes of sending.  Lo and behold I was approved for "x" ammount of dollars within 24 hours.  Woohoo! Now I can look at houses right?  Not so fast.

Now you need a Realtor to represent you and open up doors.  Someone who has access to the local multi list (MLS) and can pull the property searches you are needing.  That is where I/we come in. 

I've had people look at homes prior to obtaining a pre-approval and they fall in love with a home that after hearing back from the lender, they can't afford.  So now, no home they look at will be that one and will be hard to place their heart with another.  There is an emotional process when buying a home.  Sometimes we can't put our finger on it but we just know it's the one.  Talk to a lender first and make sure you don't ruin your search.  Never put the cart before the horse.  Find out not only what your max loan value is but what you can ultimately afford.  Don't try to change your life style to buy a home.....that's something for another topic.  Until next time!

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Randy Bocook Headshot
Phone: 336-455-2128
Dated: May 2nd 2017
Views: 414
About Randy: 50 Edsel Drive, Richmond Hill, GA...

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