Happy New Year 2019! Wow, this past year was just a blur. Many of us really enjoyed what seemed to be a full and LONG Christmas season. But it is now time to reassess the plans for the coming real estate season. It is January you say! Yes, now is the best time to get your taxes out of the way (sorry) and file them so you have them off your desk. The theory is that if you are “working on taxes” you are NOT working on finding a home.
Getting back in the saddle requires some planning. When you think about it, getting back in the saddle of a horse requires you get the horse prepared, bridled, saddled, and THEN you can get yourself up there for a ride. It is the same with buying a home. In order to saddle up, you must be ready to move. Early in the season (January!) is when it is really important to begin your online search, discuss your best criteria with your agent, and then call your loan officer.
If you don’t have a realtor or loan officer, then that is the very best thing you can do first! Of course call Deb St John! I have several excellent, experienced loan officers I can recommend. Once you have updated your loan approval with your loan officer/ lender, and validated the down payment and closing cost funds, then you are nearly ready to go seeing homes.
Sounds like a bunch of work, right? The work up front is the foundation for the best possible outcome to your negotiations. While you are getting the loan officer all the upfront verification of employment and credit, you can be doing all the online shopping in assorted areas so that when the loan approval comes in, you will have a clear and accurate picture of your buying worthiness.
This usually only takes a week or so. Let the agent (me) know when you are taking this step. Even if you think you are going to be “more ready in February”, having your agent on board with your timeline is really important. Why? Because I am busy! I book my buyer appointments in advance as much as possible.
My getting back in the saddle for you, the buyer, has upfront work as well. I am out in the field with buyers and previewing property more than three times a week. Seeing all those properties is vital for not wasting the buyer’s time. If I have a first hand knowledge of the homes the buyer has chosen, then I can be ready with the answers to the myriad questions a buyer might ask once they are in a home.
I love what I do, and love the preliminary hard work. It makes the “looking” process much more enjoyable for everyone if I have done my homework. I can get it right if I know exactly what your price point is going to be, and that you are actually ready to buy a home! Call me soon if you are even considering a purchase this Spring. I can have your needs on my radar, and get your search into my calendar.
Happy January, be sure to stay tuned for market updates. It is a better buying season than it has been in a long while.