Would be, Won’t be…which are you?


 

Having the RIGHT agent does help.

Many people are still saying, I can’t afford to buy a home.  Is this you?  If so, you have not found the right person to work with, or your SPIRITS TO MOVE is not strong enough.

When you work with someone or a team of people that are intersted in seeing you achieve your goals, they will give you direction, suggestions and stay by your side until your goal is accompolished.  How can this happen you ask…here is how:

Lenders: Do you realize that when you work with someone you truly trust, they can do more than fill out paperwork for you? They should be abe to  pull your credit report work through it with you and give you suggestions that will help to improve your credit score.  Some will also work with you in ways to get the old items removed that may just need a letter written to the correct person.  They can also lay out a plan in which outstanding items should be paid to increase your score at a faster rate.

Agents: Most agents in todays market will not begin to show you homes until you have a qualification letter from your lender.  If you hear this from an agent, don’t get upset with them; they are doing this for your best interests even though you may not understand it.  They are protecting you from being your own worst enemy by thinking you qualify for more than you do. You don’t want to start to look at homes in the higher price range only to find out you aren’t qualified for that dollar amount, but a lesser amount.  Tradition shows that in most cases you will not be as happy with the homes in the lower range and get discouraged when looking at these homes.  So trust the agent you decide to work with.  Most do have your best interest at heart when they are working with you.

YOU: Can you believe it…YOU play the most important role in this whole transaction! From the moment you feel THE SPIRITS TO MOVE is when your job becomes the most important one.  Once you start talking to people you may work with, treat it as an interview for the person.  You will be telling them some of the most confidential things in your personal life, spending LOTS of time with some and spending tons of time on the phone, in homes and tring to reach the same goal.  Once you have been approved for how much you can afford, there are only 3 people that need to know that amount; YOU, the lender & your agent.  You do not want everyone to know what you have been approved for as this is your secrect card when it comes to negotating the home you want.  When you do find the home you love, NEVER put the qualification amount on the letter you will send to the other agent…KEEP THIS INFORMATION CONFIDENTIAL.  Remember, the lender & agent are working for YOU!

Keep your dreams with in reach by keeping your credit report in check, your spending under control & your goals within reach.  THE SPIRITS TO MOVE can be within your reach!

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