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Susan S McPherson, REALTORĀ®, ABR, SRS, USAA Reward Network Agent

Susan S McPherson

Tips for Buyers

If you're thinking about buying a home, you'll want to carefully choose the real estate professional you work with during the process.  As an Accredited Buyer's Representative I help my clients find the RIGHT home, not just any home. It is important to select an agent who understands your priorities as well as your likes and dislikes in homes in order to make your home-buyering process easier.  I take the time to get to know all of my clients and understand what they are looking for in a new home.

The person you choose should listen to you and be interested enough in you to find out about your housing needs and preferences. Service first should be the motto of the professional you choose with services going above and beyond what you expect and need. Doing some preliminary planning before you begin your home search will make the entire process more manageable and less overwhelming. As part of your initial game plan, you should:

Make A Wish List:

Making sure you end up with the right home involves figuring out exactly what features you need, want and don't want in a home. Before starting your search, you should make a "wish list" to decide which features are absolutely essential, which are nice "extras" if you happen to find them, and which are completely undesirable. The more specific you can be about what you're looking for from the outset, the more effective your home search will be. Also keep in mind, that in the end, every home purchase is a compromise.  Create your own personalized "wish list" and when you're finished filling it out, share it with your real estate agent.

Obtain a Pre-qualification and pre-approval on a mortgage:

A mortgage broker  or lender’s own mortgage counselor can help "pre-qualify" you for a mortgage before you start house-hunting. This process includes analyzing your income, assets and present debt to estimate what you may be able to afford on a house purchase.  Obtaining a pre-approval makes you a strong buyer, welcomed by sellers. With most other purchasers, sellers must tie the house up on a contract while waiting to see if the would-be buyer can really obtain financing.  A pre-approval will also speed up the entire mortgage procedure once you've found the house you want. The only remaining question will be whether the house will "appraise" for enough to warrant the loan.

Become an educated buyer:

The web is one of the best ways to search for homes today. With this website, you can receive daily emails with new and updated listings from the towns and price range of your choice. Search the entire MLS for all homes, condos, land, multi family, commercial properties, and past solds at your convenience. View full listing sheets showing amenities, taxes, lot sizes, beds, baths, rooms, siding, fireplaces, garages, room sizes and much more. Get property address and see where the properties are located on MapQuest. Check schools and community profiles of your preferred towns. Calculate approximate mortgage payments for specific properties.

 

 

 

 


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