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By Tara-Nicholle Nelson | Broker in San Francisco, CA

3 Absolute Musts for Buying a Home - Without the Stress!

Major money transactions are stressful. Moving is stressful.  Big life commitments are stressful. Put 'em all together, and what do you have? The home buying process (and the potential for one of the most stressful life experiences you'll ever have)! 

But even in this volatile market where distressed properties - and people! - are commonplace, it
is possible to maintain your sanity in the midst of a real estate deal - I promise.

Here are 3 money, mindset and calendar management strategies for buying a home, without stressing entirely out.

1.  Work the Boy Scout program: be prepared.  Scrambling for money and documents that the lender, unexpectedly, “requires” to close has got to rank up there in the top couple of stressors that buyers experience. Once you get into contract and, especially, once you’ve removed contingencies and put your deposit money on the line, every request that your lender makes seems like a ransom demand for your home - and your life, as you’d planned it.

Avoid this scrambling by being prepared. If you are planning to buy a home down the road, consult a mortgage broker and real estate pro early on in your planning process, so you can know what kind of cash you'll realistically need to close the deal - before you start the buying process. You might keep hearing about 3.5% down FHA loans, but your local pros can reality check you that it might cost an addition 5 or 6% of the purchase price just to close such a loan, in your area and price range!

If they give you a range, err on the high side - penny-scraping buyers are generally the most stressed of them all, as they are the ones whose deals are most likely to be entirely derailed if there’s an uptick in interest rates, say, during the time they are house hunting or in escrow, or if the homeowners’ insurance costs a bit more than they planned.


And have all your documents ready, too - things like divorce decrees, tax returns, updated check stubs, documentation of bills that you’ve recently paid down or off , even driver’s licenses (you wouldn’t believe the number of people who can’t produce ID when the notary needs it at the closing table!), keep all these items at the ready in case your lender requires them. By the same universal law that renders my dogs smarter and faster the wetter they get, it seems like lenders require the most documentation of the folks who have no idea where their most important papers are.

Last, but not least, there’s also an education element of preparedness.  Educate yourself about the standard practices and timelines for a real estate transaction in your local market (your agent will surely be able to brief you on this, and you can also peruse Trulia Voices Community to sample the experiences of other folks buying right now in your area.)  If you’re buying a bank-owned property or a short-sale, educate yourself about what this will entail - spend some time reading up on the rollercoaster of Wild Westiness (a mixed metaphor, I know, but still appropriate) that some distressed property sales can be, from the buyer’s point of view.  

When it comes to buying a home, realistic expectations will set you free.  Stress-free, that is.

2.  Keep your timelines as flexible as possible, as long as possible.  Rarely does the sun set in America without some homebuyer (or 5) near you lying awake in bed wondering how long they’ll have to:
    a) keep bunking with their in-laws,
    b) keep paying the nightly rate for the all-suite hotel down the street from the place         they’re buying,
    c) keep paying the daily fee for the moving truck which is parked outside,  
        containing everything they own,

    d) keep begging their landlord to please, please, please give them another 24 hours
        - and they swearing they’ll be out after that (even though they said that
        yesterday!),

    e) keep pushing back the vacation days they took off work for the move that seems         like it will never happen, or
    f) some combination or all of the above,

all because their escrow is not closing on the timeline they expected it to.

There are as many reasons for late escrow closings as there are insomniac homebuyers facing this issue: buyer’s loan underwriting is taking too long, seller’s short sale application is still being processed, appraisal is glitchy, bank-owned property asset manager is slow to produce the necessary signatures, and the list goes on.  

More important than knowing the causes, though, is having the awareness that escrow closing dates are not set in stone until the end is very, very near - and that the problem of delayed closing comes up with ever-increasing frequency these days. Buyers who are trying to time their closing so that they move out of their apartment on the exact day they plan to close are likely to be disappointed - and temporarily homeless - in the current market climate.

Best practice is to plan on some overlapping days, weeks or even a month between the time you should be able to move into your next home, and the time you must be out of your current home, if you can afford it. Keep your moving plans flexible as long as possible - I’ve know a number of buyers who didn’t realize their move would be delayed until they were signing their closing docs!  


Also, it’s sanity-making to try to keep some flexibility about your daily calendar while you are in escrow, lest you need to show up at the property and get some additional inspections, unexpectedly, which were recommended by your inspector.  If you only have a couple of days before you must remove your inspection contingency, you might have to drop everything and stop in at the place for an hour here or there.  You might also need to stop in at the bank - in person - to wire cash when it’s time to increase your deposit or pay your down payment or closing costs into escrow. This cannot usually be done over the phone or outside of banker’s hours, so if you can be a bit flexible for these outings, calendar-wise, you’ll be in good shape.

3.  Pre-approve the folks across the bargaining table from you.  There’s nothing worse than doing every thing you’re supposed to do, then having the deal fall apart at the last minute, through no fault of your own. I’ve known scores of buyers whose short sales failed to get approved by the seller’s bank and fell out of escrow as a result.  I’ve also seen and heard from buyers whose deals died when their intended properties failed to meet the buyer’s mortgage guidelines because of condition problems like incomplete kitchen remodel jobs, mold or electrical problems and high-cost pest report items that neither the buyer nor the seller can afford to repair.

These ailing transactions can be prevented by early diagnosis: vet the other party’s qualifications and ability to close the deal, before you get into contract.  For buyers, this can mean having your agent collect as much information as possible about the seller’s equity position, how underwater the home is, which banks are involved and how successful the listing agent is at closing short sale transactions - all of these things can give your agent and yourself a big old clue as to whether a short sale is likely to close.  Similarly, if you’re getting an FHA loan, before you make an offer, walk through the property with your agent and troubleshoot it for condition problems that might come up during the appraisal.

With this information you can make an informed decision whether to move forward and try to buy the place; if you get into contract knowing it’s a crap shoot, at least you’ll have realistic expectations - the sort that are very difficult to disappoint.

P.S. - You should follow Trulia and Tara on Facebook, too!

Comments

By Mayling Chung,  Thu May 26 2011, 05:46
Great article! I would add having an experienced realtor that listens to and deals with your concerns is a must.
By Vishal Maher Cell 732-277-9321,  Thu May 26 2011, 06:06
Good Article for first time home buyers !!
By Marika,  Thu May 26 2011, 06:12
Excellent advise....some not applicable here in Ontario, Canada.
By Tom Hester Real Estate Group,  Thu May 26 2011, 06:16
Wonderful and important points. I agree and appreciate how well written your article is! Thank you.
By Chrissy Brahler,  Thu May 26 2011, 06:18
That article contains so many true and important to keep in mind facts!
By Chuck Gollay,  Thu May 26 2011, 06:20
Excellent advice, and well-written article!
By Aaron Mtuanwi,  Thu May 26 2011, 06:21
Thanks for the reminders. Keep it up.
By Michelle Bell,  Thu May 26 2011, 06:25
This is very good advice. So True! Thanks for keeping our eyes open!
By David Bisbee,  Thu May 26 2011, 06:28
I agree great information, but to really take out the stress, contact a qualified Realtor in your area.
By Nancy Winkler,  Thu May 26 2011, 06:29
By Nancy Winkler, Realtor, Thu May 26, 2011

Great aritcle and so applicable, THANK YOU!
By Maria T.,  Thu May 26 2011, 06:31
Tara, great advice for first time home buyers. That's why a buyer's agent is a MUST!
By Neema Nene,  Thu May 26 2011, 06:34
I look forward to reading your articles Tara. Well written. Thank you so much.
By Matthew J. Wagner,  Thu May 26 2011, 06:47
Great information at the right time! Thanks. Now I know I'm not the only homebuyer to be stressed out while waiting for a move date.
By Teodor,  Thu May 26 2011, 06:50
basically this article tells me that it is not worth buying a home because the market is so fragmented, there is no regulation to ailgn all the steps in this big big investment of your life as you use to say, and the only advice is be prepared and do not get mad /stressed out while enduring all the injustices from all parties involved in the real estate transanctions that are supposed to make it easy while your agent with a smile in his face does notthing because he is sure that because he showed you the house no matter how much you suffer he will get paid.
By Carmen Brodeur- Top 1% Realtor,  Thu May 26 2011, 06:56
Flexibility is key - I agree. In life many things change quickly and don't go as planned.
By Maria Fabiano,  Thu May 26 2011, 07:10
Great article, Tara. I love your insight. Keep on writing:)
By Uly Robinson/Christine Schumann,  Thu May 26 2011, 07:16
We agree with most of the article and also would have to advise a buyer to contact a seasoned realtor to guide them through the jungle of real estate. More than ever, all real estate is local and a local expert should be a guide.
By Marlene A. Piccolo,  Thu May 26 2011, 07:22
Nice to hear other opinions.
By Craig Tomchik,  Thu May 26 2011, 07:24
There should be a penalty to mortgage companies/lenders that do not perform as per the Contract to Purchase.
They are to provide loan commitment letters to the Sellers per the purchase contract. They need to be diligent in their work to assure the buyers that all information is gathered in a timely manner.
If they are responsible for missing dates and not closing on time, they should pay a penalty.
Many of these companies have downsized and now employ substandard processors.
If the Buyer is taking a risk, so should the lender.
It is our job as agents to assure the buyer they are being connected with a professional lender. I do that and we have had perfect closings. I always make sure the lender is aware of the closing date I am placing on the purchase offer - prior to submission. Of course, the buyer is already pre approved with that lender. If the lender feels the suggested closing date may be tight - I'll adjust that. Eliminate the drama. This should be a rewarding experience for the buyer.
By Teri Pytel,  Thu May 26 2011, 07:27
Good article but you forgot to add that buyers need to be realistic in their offer price. Their agent should do a Market Analysis so they can see that the seller is not going to immediately accept their low offer. Our Chicagoland markets have average list to sales prices that at least give justification to the offer price. Buyers will be disappointed if they think they are going to get a "steal" of a deal on every and any house they want.
By Darrell Bauguess,  Thu May 26 2011, 07:32
Three excellent points and while it is tough to know that you have picked the right Realtor the Agent-Client relationship is important and key to your buying success. Hammer your Agent until they build in your mind a clear and understandable approach to home buying as it relates to the type of property you are trying to buy(Of course this should have been the Agents initial action prior to you beginning your search but...). First time buyer or not this is good info Tara. Thanks.
By Richard M. Mills,  Thu May 26 2011, 07:46
Very nice article. Thanks and we will use it in our Team meetings.
By Sylvia Jonathan,  Thu May 26 2011, 08:10
Tara, another great post by the "Trulia Lady". I might add that if a buyer will receive GIFT FUNDS for the down payment from a relative, vet the relative as well! It is not enough to just wire the money whan asked. The donor has to jump for the lender as well, somethimes providing proof of where the funds came from.
By Manal Bozarth,  Thu May 26 2011, 08:13
Great article, I would add to double app with lenders. It does not cost the buyer anything and when the going gets tough with one lender, the buyer already has their paperwork with another. Thanks again.
By Connie Ruma,  Thu May 26 2011, 08:14
Teodor - Many pitfalls can and are avoided by working with seasoned professionals. Working with a local Realtor and lender can help set realistic expectations and explain why certain information is needed from you and when. Buying a home is a huge investment, but home ownership can and should be a very satisfying experience. Getting preapproved by a lender will help you understand what you can afford before you start your property search. Other things to think about are fees in addition to the purchase price - property taxes, insurance, home owner association fees, private road maintance agreements, special tax assessments. Will you be having any property inspections - whole home, pest and dryrot, roof, geological? Lenders will generally require an appraisal, loan initiation fee, sometimes points, and other fees.
By Marsha Buras,  Thu May 26 2011, 08:15
Good common sense advice! This is a reality check. This is also why a buyer needs a good realtor to walk them successfully through this process.
By Steve Earnshaw,  Thu May 26 2011, 08:19
Tara,

As always, your comments are spot on! The notion of possession at 5:00 pm on the closing date, when the house isoccupied, it totally unrealistic for the seller. I incorporate a 5-10 day occupancy period for my sellers after closing. To have a deal fail while the moving van is pulling out of the driveway is a nightmare I never want to face.
By Vanessa Gray,  Thu May 26 2011, 08:36
I enjoyed the article. Keep them coming.

thanks
By Mahesh,  Thu May 26 2011, 08:47
very good article and it's totally true in my case. I had 10 days of overlapping days at my rental contract from initial agreed escrow date however BoA come with multiple last minute surprises, and just two day's before my last day of rental contract BoA system fails and where unable to send the docs to title company! worst of all bank does not care about customers situation! Two things, prepare for worst case, and never work with BoA.
By Gerard J. Carney,  Thu May 26 2011, 08:54
nice Blog, keep it up!
By Terry G. Stithem,  Thu May 26 2011, 09:26
Great advice Tara!
By Alvin,  Thu May 26 2011, 09:50
Just read the article which was very helpful. I just fell out of escrow because the lender pulled out at the last minute. How does one get his deposit back if the seller is refusing to sign the cancellation document? The loan contigency had not been removed yet and we can't get our $10000 back. Any suggestions?
By DeeDee Riley,  Thu May 26 2011, 10:39
Excellent information for buyers to understand!
By Portertoney,  Thu May 26 2011, 10:55
Thank you, great article
By James Trapasso,,  Thu May 26 2011, 10:58
Thanks for the information concerning FHA 3.5% down . I will discuss 4-5% with buyer and avoid the hassle of FHA. Suzie thinks the next bust from Real Estate Will come form overheated FHA 3.5% down mortgages
By Becky & Nan,  Thu May 26 2011, 11:00
Tara, i love, love, love the keep it flexible it adds so much stress to buyers (and our) life by giving notice to landlords that they will be out the day of closing or scheduling the moving truck to arrive the day of closing! with all the little hic-cups we find in todays sales give everyone a breather and wait a day or maybe 2 after its going to close to plan on moving! thanks for a great article
By Sherri Noel - Noel Team,  Thu May 26 2011, 11:20
This is all so true! Thanks for helping people understand the process!
Sherri Noel
By Mike Harding,  Thu May 26 2011, 11:55
Good Advice!
By Meena Gujral,  Thu May 26 2011, 13:35
I like this article. It is so true. I have dealt with so many of these with my clients that I can totaly relate.
Meena Gujral
By Darwin,  Thu May 26 2011, 16:28
Buyer's responsibility is DUE DILIGENCE beyond belief, even when in escrow, do not trust your Agent to stay on top of everything, nor take their word for much, particularly when it comes to coming up with further deposits..keep your EMD deposi as low as possible , be hisitant to increase deposits. Read the entire sales contract and escrow instructions, before signing anything .. make sure the buyer has iniitialled and dated all provisions. Remember, even when the seller fails to perform, in many instances you may not receive your deposit back. Even the CA short sale addendum, offer little buyer protection, and the Bank holding the mortgage is not your only enemy, also brokers will get together and double cross you when in escrow, even opening a second escrow while you have the first postioin. Even on standard sales, be ready to walk away if unreasonale demands are made during the escrow. Do not trust your agent, many are just not that bright, going on what they only think are proper procedures. Also, do not take the Escrows officers word for anything, unless it is in wiritng. In the event of the least little fuss, they will eat through your deposit with thier in house attorney.

This article was accurate on buyer's need in assembling the proper paper work. If one does not have a vailid ID, one does do not deserve to buy a house. I do have a modicum of empathy for buyer's agents, in that they must deal with some real low class losers or just plain unorganized dumb people. I'm here in Los Angels, which is still an overpriced market, with a saturation of no talent agents.
By Darwin,  Thu May 26 2011, 16:52
Hello Allvin

I failed to read your comments, before I posted. In CA.LIF and I believe in many other states, one must sue in small claims court and the judge may order the return of the deposit or a judgement can be rendered. Then, one must serve the seller, if they can be found. Some sellers on these Short Sales are dead beats and out of state, other sellers are mad at the world and will not cooperat in signing off. You are lucky it is only $l,000, in your case. In SoCal where property is still high, your deposit could esily be $5000 .. Broker's are usually worthless in assisting one in the return of the EMD deposit. I have even seen double escrows opened, something like a stealth escrow for a different buyer. I know that you are suffering some anxiety on this one, good luck and the odds are in your favor in the return of your deposit. I have been through this routine on two differnt occcasions. Remember that the Escrow company is not your friend, in that they can easily send the matter to their in house Attorney, which will eat through your depost. The buyer may try to confiscate your deopist, claiming you did not perform.

So let's hear from some of you RE types, on this one. In a perfect world, the seller would be rquired to make a good faith deposit.
By Anthony R. Perez,  Thu May 26 2011, 21:32
I read your blogs all the time your really smart.
By Heros Hagopian,  Thu May 26 2011, 23:56
It is nice t o read your blogs always... stress is good for the transaction to go forward it is A push. but excessive amount of it causes health problems . as a real estate professional we can play a positive roll to control and do not create extra urgency to close. Banks are institutions and there is no direct human element involved.and they do not care about buyers contingency removals.
By John,  Fri May 27 2011, 05:04
I am a first time home buyer and all this is good info for me. Its good to have people out there who can give such good advice to home-buying newbees like me. keep it coming guys, I'm soaking it all up.
By Philla Lan,  Fri May 27 2011, 07:30
to Alvin, Have you filed complaints with the Real Estate licensing board, with your state's consumer department, or your state Attorney General, with any news media (TV) Consumer Action reporters???...
By Simone Hardy,  Fri May 27 2011, 10:55
Once again Tara nails the issue with yet another great article. Keep them coming Tara!
By Darwin,  Fri May 27 2011, 13:01
Heros from Glendale

Enjoyed your comments, on stress being invovled in any deal, but most buyer's stress exceedes their level of tolerance, paticularly when they have been prodded by agents into going in at near asking price and making the advised (high) EM deposit. Good point on bank's not being anyones friend in a RE transaction. If I was buying a property in Glendale, I would make the lowest possible EM deposit, since in that town one may never see it again LOL . So on a standrad residential transaction, what is your advice on the EM depost (percentage).
I had one Hy broker, and had good luck with him
By Darwin,  Fri May 27 2011, 13:17
Tara

Great info, but you failed to list the most important point, although it was covered in a general sense in the buyer being aware of market factors.

Buyer's are being cajoled by Agent's to over pay in this depressed market. These Trulia blogs are replete with agents disengenuous comments on educating buyers to always go in high. When a buyer soon on realizes he has paid retail in this market, the depression factor comes on fast and negative energy can put the deal in a tailspin. One for example, is the inevitable low appraisal. Alvin and many others, find out that their CA sales contract and addendum offer little protection on return of deposit.
By Darwin,  Fri May 27 2011, 13:33
One of the few reasons for a buyer to use the sellers agent (dual agent) is in the event the deal falls through, the broker has some leverage in convincing an obstinate seller to sign off on the return of the deposit, since they wish to proceede with a new buyer. Buyers in Calif need tto remember, that they have relinquished most of their legal remedies when signing the standard CA RE sales contract .. check out the arbitratiion and liquadated damagess clause one signs off on. The deck is stacked against the buyer. I have never met an RE agent who points out these negative factors in the contract and subsequent business practices, allowing the excrow comoany to consficate a deposit with their in house attorney review. All of these factors, particularly in this depressed market, only adds to a substaintial discount from the asking price.
By Jan Milstead,  Fri May 27 2011, 15:52
Great advice for anyone looking to purchase a home. So many things can cause delays and sometimes keeping everything running in a timely manner may seem like a juggling act...
By Rose,  Fri May 27 2011, 17:54
Darwin, I don't think agents are encouraging offers that are too high. If I want a house, I want to be the successful bidder. An additional $20,000 (plus eliminating as many contingencies as possible) to ensure my offer comes out on top puts me in the drivers seat and I get what I want - the extra $20,000 amortized over a 30 year note at todays low interest rates comes to nothing - nothing worth losing a house over, especially if you really love it.
I have a dear friend who's so afraid he might overpay by the tiniest amount that he's paralyzed with fear that the market may still go down some more. He's watched me from the sidelines as I just bought a house that the prior owner bought one month earlier for $74,000 at a short sale and put it back on the market it without doing anything - I paid $150,000 to get the winning bid. Everybody always tells me I over pay.
I just put another $130,000 into it and have rented it out for $6,000/month.
I'm the one laughing all the way to the bank.
It's the most profitable experience in my life. A few more of those and I will be able to retire.
Please give me the funding, backing and opportunity (at 14% interest for a temporary hard-money construction loan) to overpay for deals like that again and again. I go to sleep praying for another chance to overpay like that.
I feel like I won the lottery - though it is harder work....
Do not let anyone discourage you from going after what you want. Do your numbers, if the numbers work, don't let someone elses fear stop you from going after your dreams.
By Terri Hermes,  Fri May 27 2011, 18:19
I always find your blog posts very informative Tara! Just spoke to my Trulia neighbor about you the other day!!
By Darwin,  Fri May 27 2011, 20:26
Rose - not buying it, your figues do not add up, a 100% immediate equity position for the seller who closed the short sale .. nor would they some six yeas ago in even the golden era of flipping .. OK, you have not been drinking nor have been abducted by a UFO .. so tell me just what part of the country did this miracle occur in .. FYI, I'm in Palos Verdes, a toney Southern Cal enclave .. please send the coordinates on this property and include the identity (type) of the lender holding the original paper .. No, Rose, the best pros with substantial cash reserves could not do it .. I happent to be in a moderate cash postion I have dealt with several lenders of record on short sales and speak with some experience in these matters .. care to tell us your current equity postion.

Buyers - Most properties remain overpriced in this downward trending market. Even final offers should be at a 15 to 20% discount. An extra $30,000 is almost nothing in the amortized monthly payments, but will put you in deeper negative equity postion and you will pay for it later, unless you plan to keep your place for say some twenty years. Interest rates will soon increase by one polint and property values will be further depressed (lowered). Rose speaks of false fears, being disauded by others and following your dream.. All part of the huckster's pitch, along with her personal tesimonial of triumph .. i like the part where she tells us she feels like she won the lottery, but it is harder work now. Well buyers, you probably are aware of the odds on winning a lottery.
By Novelette Witt,  Fri May 27 2011, 20:56
Thank you for such an insightful and wonderfully written article.
By Henry G. Huestis,  Sat May 28 2011, 05:52
I have been a "roadie" engineer virtually all my life, and I am nearing retirement and want to settle in my own home which I am willing to pay "all cash" for (I am nearing 60, and have saved up quite a bit of money being a "roadie" engineer)..

Unfortunately, I do find the homebuying process very daunting, and possibly pitted with traps. I would like to close fast on a property in Northern Michigan (I like the area, since housing prices are very reasonable, and there are a lot of outdoor activities in the area, and they definitely have four seasons), but again, in past dealings with a realtor in the area that I was looking at (in Alpena), it seemed like the process was too complicated, and I could not handle it.

In this respect, can you give me advice in terms of what I should do so that I get the most value for the money that I will be plunking down, and to minimize the stress for an "all cash" buyer like myself.

My E-mail address is hhuestis1@gmail.com and my name is Henry G. Huestis.

Thank you for your assistance.

Henry G. Huestis
By Darwin,  Sat May 28 2011, 09:06
Henry

You are fortunate to have found your ideal place in an area of lower priced homes, in addition to your cash position. Start writing offers at a 20% discount of list price and perhaps budge another 5% if you really love the place. With your age and years of sacrifice do not be pursuaded by RE types to go over your budget nor finance any part of the transaction. Stay all cash. Prices are continuing in a downward trend, albiet at a less accelerated rate. Remember that you have no firends in this venture, and most RE types when it comes down to it are only concerned about making the sale and their commission. Keep you EM deposit at the bare minimum. When submitting your offer and proof of funds (bank account balance), only submit an account statement with a little ovrer the amount of your offer .. so split your bank accounts, otherwise they will know they can extract more money out of you. Stay business like and civil with all including your RE agent, but let all know in no uncertain terms that you are in charge. You should be thankfull that you are not in an overpriced market like Los Angeles. Good Luck.
By Brian and Stephanie Benton,  Sun May 29 2011, 21:29
good article
By Brian and Stephanie Benton,  Sun May 29 2011, 21:29
Nice blog
By Craig Schaid,  Wed Jun 1 2011, 04:20
ALWAYS love your blogs! Great info! Thank you!
By Darwin,  Wed Jun 1 2011, 13:19
Sellers/Brokers rather nervous today with the dire news of property values crashing.
Just last week, most of the RE Agents/Brokers on these forums were complaing about buyers
being unrealistic on their offers and profering tactics in convincing them too bid high. Your
nice local RE agent who supposedly knows the market and the neighborhood, is usually not your
friend and will put one in a negative equity position before escrow even closes.

By Gus Pishue,  Wed Jun 1 2011, 20:14
Again, Great information Tara.
By Lilbeth Reniva,  Thu Jun 2 2011, 03:08
This is very useful especially for first time home buyers!

Fort Myers homes for sale
By Jane Grant,  Thu Jun 2 2011, 10:07
Also, make sure you are completely comfortable with what your payment is going to be. :)
By A.J. Ackerman 239-349-3784,  Fri Jun 3 2011, 06:25
Nice Blog!
By Tean Wong,  Sun Jun 5 2011, 06:47
Work with good buyer agent!
By Brian Petrelli,  Mon Jun 6 2011, 08:54
Excellent advice that all buyers should listen to.
By Jeanne Allard,  Wed Jun 8 2011, 06:14
Great article. Thanks.
By Bob Clark,  Thu Jun 9 2011, 07:57
Great article for the First time Home buyer.
By Wes Black,  Mon Jun 13 2011, 20:30
Your advice is right on and presented in a way that consumers can understand. You should consider writing a book. Thank you for your interest.
By Rick Jackson,  Tue Jun 14 2011, 07:24
Great article Tara. Very informational. A lot of people never imagine the stress of moving until there in that situation.
By Karen S. Smith,  Tue Jun 14 2011, 07:30
You make some great points--very informational. Moving can be stressful, especially when you are moving to an unfamiliar area or state. Having a top-notch realtor can really reduce the stress.
By Michael Cheng,  Fri Jun 17 2011, 01:00
Great info, but buyers shouldn't have to worry about these issues if the realtor is doing his/her job.
By John Crowe,  Sat Jun 18 2011, 21:56
Bet every agent/broker in the business for a few years has a horror story about going loose and fast, not pressing the other side for details, and feeling the pain. We represent clients, we should ask questions and not rely on "everything's ok" from the other side.
By Chris Blasic,  Sat Jun 18 2011, 22:41
Great advice, thanks for the post!
By Voices Member,  Tue Jun 18 2013, 13:17
"Be Prepared" -Scarr hahaha! You are funny, Tara! I would have never thought to use a Lion King quote!

David | http://www.fireflybuys.com/m-81-terralux-products.aspx
By Voices Member,  Fri Jun 28 2013, 12:34
Once again, this is some of the best real estate advice on the internet. Keep up the excellent writing, Tara!

David | http://econoseptic.com

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