5. Search for Your Home

Refinancing an existing loan is more that just about the interest rate.

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Don’t Try and Do This On Your Own

Now that you know how much you can qualify for and the price range of the homes that fit your budget, it’s time for the exciting part…searching for just the right home! But now, you need some professional assistance. You need a real estate agent. Yes, you can begin your search online, if you haven’t already, but a real estate agent is a must.

Some buyers who have obtained their pre-approval letter on their own without the aid of an agent think that an agent is an unnecessary option. But that couldn’t be further from the truth. Real estate agents are full time professionals who are out in the market every single day helping buyers find just the right property at just the right price. Buying a home is a big financial commitment so you need to enlist as much help as possible and none can be better than a professional real estate agent.

Your agent represents you, not the seller. The agent will be able to tell you about neighborhoods that are on the rise and ones that you might avoid. An agent can save you thousands of dollars just by making the right offer. An agent negotiates with the sellers on not just the price, but to make any needed repairs to the home or help pay for your closing costs as well. It never hurts to have an agent in your corner.

When you first meet with an agent, be prepared to have your pre-approval letter at your side. Real estate agents will certainly be courteous and answer any questions you have but they also want to see you’re serious about buying. The pre-approval letter does just that.

Your agents will ask about things which are important to you. Do you want a home close to work? What about the local school district? Are good schools important to you? How long do you think you’ll own your home? Are there any areas you’ve already picked out?

This interview process will maybe take an hour or so. Both you and your agent need to feel comfortable with one another to make sure you’ll make a great team!

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