Buyers...Welcome to the Texas Hill Country

 

Choosing a REALTOR® is an important step to ensuring that your real estate transaction goes smoothly, so as not to add to the stress that is usually associated with moving.  You know the old cliché, buying a house is the biggest monetary decision most people make.  It sounds cliché and it is cliché, however it is true.

Let us work for you to find just the right piece of property. Whether it’s a home, land, commercial property or ranch land, we can help you find what you have in mind.

As Your Agent, We Will:

• Assure that you see all the properties in the area that meet your criteria.

• Guide you through the entire buying process, from finding the right property to look at, to getting everyone to the closing table.

• Make sure you don't pay too much for your new home and help you avoid costly mistakes.

• Answer all of your questions about the local market area, including schools, utilities, local resources, neighborhoods, the local economy, and more.

Buyers …do yourself a big favor and get pre approved for your new mortgage loan.

Buying a new home should be fun, so lessen your stress load immensely by getting pre-approved for your loan.Being pre-approved is like walking around with a briefcase full of cash.Sellers respect this and they will take you seriously because they know that when you make an offer, it can be a done deal quickly.

Getting Pre Approved for your loan will also help you realize Benefits like:

• Have more bargaining power in negotiations
• Gain more respect from sellers and sellers agents
• Drastically reduce your stress
• Shorten the final closing process
• Save Money on your new home
• Focus on the reality of what you can afford
• Shorten the time it takes to find and buy property

The first step on the road to pre approval is getting your credit report and credit score.You can get your Free Annual Credit Report by visitinghttps://www.annualcreditreport.com/cra/indexThe web page should look like the page below



What to do when you get your Credit Score

Once you have your Credit Score, you can begin to research mortgage rates and mortgage companies, to get an idea of the rates you can expect to receive out in the market place.You can use the various calculators on our website to help you with your research.If there are any surprises on your credit report, go at them head on and work to get your credit score as high as possible.The higher your credit score, the lower your mortgage rate.

Get Pre-Approved for a Mortgage Loan

Through this process, a mortgage lender or broker will review your qualifying criteria (credit score, income, debt, etc.) to determine how much they can loan you.Be sure and shop around for the best possible mortgage scenario.You can shop rates locally or on-line directly with traditional lenders or use web services companies that will help you get many mortgage quotes at once.

Mortgage Pre-approval Explained

When you get pre-approved for a mortgage loan, you are essentially finding out how much a certain lender is willing to loan you. Pre-approval goes a step further than pre-qualification, which is just a basic review of your finances. Through this process, a lender will review your finances in greater detail and will pre-approve you for a certain amount.

Being pre-approved for a home loan helps you in other ways as well. For one thing, it shows the sellers that you're capable of buying their home. This can give you a leg up during the offer process, especially when multiple buyers are competing for the house. When you've been pre-approved by a mortgage lender, it's the next best thing to having the money in hand.