F YOU ARE THINKING OF GETTING A MORTGAGE YOU NEED SOME TIPS:
a. GET PREPARED: Before contacting any mortgage people you need to gather your last 2 years tax returns, last 2 pay stubs, last 2 months bank statements and a list of your income and expenses.
b. GET PRE-QUAILIFIED: You should meet with a local and trusted loan officer who will pre-qualify you at no cost. They will look at your credit score but more importantly your whole financial picture. This includes your credit report, current income, debt and employment history.
c. WHAT TO AVOID: STAY AWAY from the internet lenders. You really want to be able to put a face to a voice and have a local source to be able to get information and drop off any paperwork or financials.
d. THE NEXT STEP: Buyers should work with a local, full time and full service agent who will guide them through the buying process.
e. WHAT IF YOU DO NOT QUAILIFY NOW? If you can not quailify for a mortgage today, they will be able to tell you what you will need to do so you can get a mrotgage in the future.
In conclusion there are no shortcuts in getting a mortgage. if is sounds too good to be true it probabily is. There are no quick fixes, no secrets and no one you can pay to improve your situation, they are all scammers no matter what they promise and how much they are charging. Work with local and quaility people and you will get a quaility experience. If you are looking for a home in NH, contact us to guide you through the whole buying process.
The moral of the story is that a Buyer and a Seller should know that you have a choice of agents. Use your choice to hire the BEST agent in your area, and know that bigger is not better.
I have put together a simple recipe for both Home buyers and those who need help to get your home sold. Follow this along with pricing your home right, and the result can be a SOLD SIGN in your front yard.
THE TOP TIPS TO FIND A "GREAT" REAL ESTATE AGENT
1. LEARN THIS ONE FACT: One should know that All Agents are not created equal and every buyer or seller should take the time to hire the BEST not just the biggest Agent or Company. It is important to Hire the BEST Agent. In NH that could be me. 2. CHOOSE THE RIGHT AGENT: As a Buyer OR Seller in this market you need every advantage you can to get your home sold. It starts with choosing the right agent. a. Ask for a Full time agent whose sole job is to sell homes. b. Ask for a Full service agent who will guide you through each step of the selling process. Discount brokers often equal discount services. c. Ask for a Local agent who knows your neighborhood and is readily available when you need them is a must. Out of town agents can leave you high and dry in your time of need. d. Ask for a well experienced Listing Agent can give you the advantages you need when selling your home. Not all agents are created equal. Choose only the best. 3. HOME BUYERS SHOULD START BY: Getting a FREE PRE-QUALIFICATION with a local and trusted lender. They will look at your credit and financial picture and let you know what type of mortgage you may qualify for and what your interest rate and monthly payment may be.
4. HOME SELLERS SHOULD START BY: Getting a FREE MARKET ANALYSIS. Learn what your property is worth in today's market along with how ling it may take to sell. If you are ready to sell now, learn what you should ask for it. How much offers may come in at and what the approximate selling price should be. NH Home owners should contact me now.
IN SUMMARY the key to having a successful purchase or sale can increase simply choosing a better agent. The secret is that All Agents are not created equal and every buyer or seller should take the time to hire the BEST not just the biggest. I leave you with now infamous philosophy, which is simple, to provide more personal and professional service to guide my clients through each step of the buying or selling process.
It does not take magic to turn your "For Sale" sign into a "Sold" sign. it takes a full time Local Agent who specializes in Listing homes like yours.
If you are thinking of buying a Home please contact us. Get a free pre-qualification along with some of the BEST CUSTOMER SERVICE through each step of the Buying Prices.
WE STRIVE TO PROVIDE THE BEST POSSIBLE SERVICE THROUGHOUT EACH STEP OF THE LISTING AND SELLING PROCESS!!!
If you need to sell your home and you owe more than your house is worth, i may be able to help. I specialize in working with home owners to get your home sold. There are many options such as a short sale which may be able to help you.Please try and avoid out of state or out of town agents and companies that make "out of this world promises". We are local agents with experience who never charge any up front fees.
We are local agents with experience who GET RESULTS!!!
We stand by you through every step in selling your home.
Another reason that makes New Hampshire a great place to Live, Work and Play.
- About the Author: Scott Godzyk is the Owner/Broker of the Godzyk Real Estate Services in Manchester NH. With 28 years of experience, Scott is a leading Agent for Listing and Selling Homes in this area. To CONTACT Scott Godzyk please call 603.661.2121 or EMAIL: Sctprop@aol.com . We are Full Time Agents ready to serve all of your Real Estate needs through each step of the buying and Selling process. We are proud to be locally owned and operated.