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Home Buying in 19096 : Real Estate Advice

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Activity 2
Thu Nov 1, 2012
Bob Smith answered:
Hi Hector

My advise to buyers is to begin before you are ready. Sure you want to have enough money saved or you want to wait for the big income tax check. Or whatever the reason. This is great but by delaying you may have to wait even longer. When you get the itch to buy contact your local bank or credit union and look into getting pre-approved for a mortgage. It not always a bad idea to get more than one quote. Be advised though this could lower your credit score a few points. This way you will know if you can even qualify for a mortgage. If you have any credit issues you can begin to correct them before you begin the process of buying a home. You cannot only shop interest rates.I recommend that you get a copy of all the lender fees they charge and make a comparison. In the long run you could be getting a lower rate but still paying more. As long as the mortgage is above $50,000.00 you should be ok. Many lenders will not give you a mortgage under that amount. Be advised that even though you are pre-approved with one lender you may still use a different lender to purchase your home if you find a better deal later.Not everyone will tell you this. I work with my buyers so they understand what they are paying. As a Buyers Agent I give my clients an education in buying a home. It's not about the sale. It's about having a satisfied buyer and knowing what is going on every step of the way. So Hector applying for a loan is easy. It's who you work with to buy your home that can make the difference. I am always available 24/7 by cell phone or e-mail to answer any questions you may have.

Bob Smith - Realtor Cell - 215-327-5856 (Best Contact Number)

E-mail -
Homestarr Realty Office - 215-355-5565
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Sat Mar 26, 2011
Bruce Lang answered:
its not uncommon. sometimes the appraiser is wrong and you can appeal. othertimes the listing is wrong. if you feel you were defrauded, seek an attorney...if the public records show the amount the seller claimed it was then that "public information"....ask your agent or his/her broker ... more
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