For Buyers

Tips for Buyers

Buying A Home

A home purchase may be your largest financial transaction to date, so it’s important to make the right decisions and to keep an eye on the details. With the assistance of your Real Estate Agent and Loan Officer, it should be an efficient, pleasant, and ultimately rewarding experience.

As you prepare to look for homes, make sure that you know how much you can comfortably afford. You want to know how your credit and the type of mortgage you choose can affect your monthly payments and overall cost of the loan.

Budget

You may qualify for a higher amount than you actually want to pay. It’s important to not only check with a mortgage agent to get pre-approved, but to know what the payments will be at that amount. Remember to factor in homeowner’s insurance, property taxes, utility bills, moving costs & maintenance. Learn More

Check your credit

Pull your credit report and double check that the information is accurate and up-to-date.

If there are any discrepancies, work with the credit reporting agency to have those cleared up before you inquire about a loan. Learn More

Get pre-approved

After determining what you can afford and reviewing your credit you will want to contact your local bank or mortgage company to get pre-approved for your loan before you start looking for a house.

Among the items you should have: Good credit, stable employment history, a positive debt-to-income ratio and document of your assets.

Choose The Right Agent

Ensure you are working with a leading, customer oriented local Real Estate Agent. Right from the start! With your agent, make a list of what features you are looking for in a home. Your Agent will find properties available in your desired location. Your Agent will preview available homes to weed out those that are overpriced, or undesirable in some other way. Your Real Estate Agent will present the homes that best suit your wants & needs.

Your Agent will help determine the difference between a “good buy” and a property which, because of its nature (neighborhood, market appeal, etc.), might have to be discounted if you decide to sell in the future.

Your Real Estate Agent will negotiate the best deal for you.

“The National Real Estate Review Board helped us choose a respected leader in our city’s luxury residential market. Our chosen agent had 20+ years of experience and was ranked in the top 1% of the city’s real estate producers. We could not have been more pleased!” ~ Client Review

“After listing our home with a previous agent for 12 months with no results, we turned to NRRB for help. We had a great experience with our new NRRB real estate agent! They provided invaluable assistance in staging our home to sell quickly. They did an excellent job marketing our property including the best photos of our home. They were excellent in negotiating with our buyers agent and feel we received the best possible price. We would not hesitate in reaching out to NRRB for help again and highly recommend their services.” ~ Client Review

“I have so much to thank you for in all the help and service you provided me with the recent purchase of our beautiful new home. To say you went above and beyond is an understatement. My NRRB agent made all the difference in taking care of details, day to day administration etc. I can’t imagine purchasing without such guidance. Thank you for ensuring the successful purchase of our new home. We couldn’t be happier.” ~ Client Review

“NRRB Real Estate Agents know their areas of expertise. Our Agent gave us good advice in gauging the market to attract buyers, ultimately selling our home at our asking price. They were so pleasant to work with and helpful in all areas. I highly recommend working with an NRRB approved real estate agent.” ~ Client Review