Robert Young commits to providing the best possible service to his clients. He accomplishes this by actively conducting market research and helping buyers make smart and informed decisions. Robert establishes relationships with his clients, by listening and getting to know exactly what they are looking for, and of course the ever important, take the needed action. Robert continually educates himself in order to have in depth knowledge about the community, neighborhoods, and the quality of homes. He is dedicated to continually improving his outstanding record of service.
Never rush or be pressured into making hasty decisions. There is a lot of money at stake and many years will be spent paying off your mortgage. Make sure you are committing to the right property for you. If you take your time and do your homework you will feel more confident you are making an informed decision when the right house at the right price.
The real issue with real estate financing is not getting a loan (virtually anyone willing to pay lofty interest rates can find a mortgage). Instead, the idea is to get the loan that’s right for you — the mortgage with the lowest cost and best terms. REALTORS routinely suggest that consumers start the mortgage process well before bidding on a home. Many lenders (the sources of money) and programs, for example, are available right here in the finance section of Realtor.com as well as through recommendations from local REALTORS.
Have your credit in good shape and make sure your credit report is accurate. Potential lenders will view your credit history — how much debt you’ve accrued, how many accounts you have open, whether your payments are made on time, etc. — to determine whether they’ll give you a loan.
Choosing the right home loan is as important as choosing the right home.
Researching and understanding the home loan market will help you to
choose the most appropriate loan for you. There is intense competition among lenders who offer a variety of packages, options and methods of payment. The loan that appears to be the cheapest because it has the lowest interest rate may not necessarily be the cheapest option in the longer term when fees, ongoing charges and penalties are included.
A decade ago, homes were selling quickly, usually a few days after listing. In that kind of market, agents advised their clients to make an offer ON THE SPOT if they liked the house. That was good advice at the time. Today there isn’t always this urgency, unless a home is drastically underpriced, and you’ll know if it is.