Buying a home is probably the largest financial investment most individuals will make in their lifetime, but the benefits usually outweigh the challenges. Asking the right questions and doing your homework prior to buying a home is essential.

We are here to answer any questions you may have along the way, but here you will find answers to the questions that we are asked most frequently.

Should I talk with a bank before looking at homes?

YES! There are tons of reasons why you should speak with a lender and get pre-approved before looking at homes. First and foremost, talking with a lender before looking at homes can help you understand exactly how much you can afford.


Should I buy or continue to rent?

The real estate market is constantly changing, but often times, it is more cost-efficient to buy a home rather than rent one. Think about it. When you buy, you are investing in your own future. When you rent, you are helping your landlord to invest in his or her future! There are also financial perks like tax deductions and home equity that come along with owning a home.

Can I find a rent-to-own property?

Can you find a needle in a haystack?  Of course you can, but the probability isn’t very high.  The same can be said about a rent-to-own property.  A common question from home buyers is whether rent-to-owns exist or whether an owner would consider that option.  They are out there, but there are somethings that you need to know before agreeing to a rent-to-own.

When an owner is offering “rent-to-own” as a possible financing option, they are taking on a high risk since in most cases, a rent-to-own buyer has a credit score that is not impeccable.  Since an owner is taking a higher risk the terms for a rent-to-own must be considerably favorable for the owner.  This often leads to less than favorable terms for a buyer.  When looking at a rent-to-own as an option you can expect to provide a considerable amount of money down and a higher interest rate than what a lender is currently offering.

If you’re able to purchase a home by financing through a bank or lender, you will be better off because the terms will be more favorable.

Should I order a home inspection?

Yes! Home inspections are highly recommended because they can reveal defects in the home that are not easily detected. Home inspections bring peace of mind to one of the biggest investments of a lifetime.

Do I really need a REALTOR® when buying a home?

Are you completely informed and up-to-date on the legal aspects of buying a home? Are you fully confident that the seller is using all of the necessary (and correct) forms? Not only that, are you receiving the proper disclosures? Are you capable of handling the legal contracts? Any errors or omissions in these contracts can result in legal problems and the loss of your earnest money! If you’re not 100% confident, it’s wise to hire a REALTOR®. 

Do not try and contact the listing agent or the owners directly.  Your REALTOR® can and will do that for you.  Keep in mind that your REALTOR® will be working for you as a buyers agent and will receive commission paid by the seller. Our services will be free to you.


What is the difference between a real estate agent and a REALTOR®?

All active REALTORS® are either brokers or salespersons, but not all brokers or salespersons are REALTORS®.  A REALTOR® is a member of local, state and national professional trade associations and, as such, has access to a vast array of educational programs, research and resources. REALTORS® subscribe to a strict Code of Ethics, developed by the National Association of REALTORS® and pledge to provide fair treatment for all parties involved, protect the right of individuals to own property and keep abreast of changes in real estate practice through continuing education and interaction with other professionals.

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