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So you are ready to buy.... Now What?? Part 2

05-19-09
Jeannette Neerpat, e-Pro Coral Springs/Parkland Real Estate
Jeannette Neerpat, e-Pro Coral Springs/Parkland Real Estate: Real Estate Agent in Coral Springs, FL
  • view my blog
  • Office: (954) 993-4104
  • Mobile: (954) 993-4104

You are ready to buy your First Home, you found your Realtor not you want to know the next step? Getting your Pre – Approval letter. Here is some information on Pre – Approvals. Know the steps you need to take, know what you are getting into before hand. You don’t want to take any risks after you bought your First Home.....

Signing on the Dotted Line

Signing on the Dotted Line

What is it?
“Pre-approval” means you have met with a loan officer, your credit files have been reviewed and the loan officer believes you can readily qualify for a given loan amount with one or more specific mortgage programs. Based on this information, the lender will provide a pre approval letter, which shows your borrowing power. You can visit as many lenders as you like and get several pre-approvals, but keep in mind that each one carries with it a new credit check, which will show up on future credit reports.
Although not a final loan commitment, the pre approval letter can be shown to listing brokers when bidding on a home. It demonstrates your financial strength and shows that you have the ability to go through with a purchase. This information is important to owners since they do not want to accept an offer that is likely to fail because financing cannot be obtained.


How do you get pre-approval?
Real estate financing is available from numerous sources, including lenders here in the finance section of Realtor.com, mortgage companies that have worked with local REALTORS® and in some cases, individual REALTORS® themselves. Based on his or her experience, the REALTOR® may suggest one or more lenders with a history of offering competitive programs and delivering promised rates and terms.
The loan officer will carefully review your financial situation, including your credit report and other information. The lender will then suggest programs which most-closely meet your needs. For instance, a first-time buyer may qualify for state-backed mortgage programs with little money down and low interest rates, while a repeat purchaser (someone who has bought a home before) with more equity (money invested in the home) might want to get a 15-year loan and the lower overall interest costs it represents. Typically, first-time buyers opt for the traditional 30-year loan, with either a floating interest rate or a fixed rate of interest over the life of the loan.


Selling Houses and Creating Homes!

Jeannette Neerpat
9000 Sheridan Street
Pembroke Pines, Fl 33024
www.Neerpat.com

Would you like a Free Market Analysis? Visit www.Neerpat.com or call 954-993-4104.

3 Comments
Blog_tag

So you are ready to buy.... Now What??

05-19-09
Jeannette Neerpat, e-Pro Coral Springs/Parkland Real Estate
Jeannette Neerpat, e-Pro Coral Springs/Parkland Real Estate: Real Estate Agent in Coral Springs, FL
  • view my blog
  • Office: (954) 993-4104
  • Mobile: (954) 993-4104

So you know you are ready to buy your first house. But now you don’t know which way to go. Who do you work with? Do you get a Mortgage broker first and how do I find one?

Lauderhill Listing

Most people have friends who know a REALTOR or who have worked with one. My first advice is to ask your friends and family members to help you with that one. Its better to go with someone you know has worked with a friend, better references that way.

If you don’t know of anyone that does, Internet search is your next option. Find someone local to the area you are looking at. Not every agent works all areas. Someone from Miami may not know the Coral Springs neighborhood or stats, and vise versa. Does the agent specialize in working with First Time Homebuyers?

Interview a few and see which one you click with. Things run much smother if you are working with someone you are comfortable with.

Once you found a REALTOR he or she will ask you some qualifying questions.

How many bedrooms, baths, pool no pool and most importantly whether or not you are pre – approved with a lender? Without that, the listing agent won’t even look at a possible offer you will be sending over. Not only that, how much do you think you qualify for? Are you looking in a price range that may be over? Know this before going in.

After you have been pre – approved, our next step is locating the PERFECT home for you!!!

Stay tuned for more…..

Selling Houses and Creating Homes!

Jeannette Neerpat
9000 Sheridan Street
Pembroke Pines, Fl 33024
www.Neerpat.com

Would you like a Free Market Analysis? Visit www.Neerpat.com or call 954-993-4104.

6 Comments
Blog_tag

Thank you for answering the Phone!

05-16-09
Jeannette Neerpat, e-Pro Coral Springs/Parkland Real Estate
Jeannette Neerpat, e-Pro Coral Springs/Parkland Real Estate: Real Estate Agent in Coral Springs, FL
  • view my blog
  • Office: (954) 993-4104
  • Mobile: (954) 993-4104

OK you know its pretty bad when another REALTOR says to you after they call for showing instructions and I quote "Thank you for answering the phone!"

You see I got a call yesterday for showing instructions on one of my Rental listings in Hollywood. I was on the other line but asked that they would hold while I answered the call. Very pleasant lady on the other end wanting to get more info and lockbox combo. I gave her all the info and told her good luck and thanks for showing. Her reply to me was thanks for answering the phone.

Why do so many agents not answer their phone. Do they not want to get the house sold or rented? How many sellers or landlords are not getting the proper service they need?

I know I am preaching to the choir on this one, but come on people get with the program. ANSWER YOUR PHONE!!

Are you looking to Sell your house or Rent it? Give me a call, I answer my phone when either another agent is calling or a potential buyer or tentant!

Selling Houses and Creating Homes!

Jeannette Neerpat
9000 Sheridan Street
Pembroke Pines, Fl 33024
www.Neerpat.com

Would you like a Free Market Analysis? Visit www.Neerpat.com or call 954-993-4104.

LivingTamarac.com

Photos

8 Comments
Blog_tag

Tamarac Health and Hurricane Expo

05-15-09
Jeannette Neerpat, e-Pro Coral Springs/Parkland Real Estate
Jeannette Neerpat, e-Pro Coral Springs/Parkland Real Estate: Real Estate Agent in Coral Springs, FL
  • view my blog
  • Office: (954) 993-4104
  • Mobile: (954) 993-4104

Don't forget tommorrow is the Health and Hurricane Expo at the Tamarac Community Center. Hurricane season is right around the corner and you want to be prepared. Plus this year the city combined the two expos into one. Everything under one roof.

Take advantage of FREE Health Screenings including:

  • hearing,
  • blood pressure,
  • osteoporosis, cholesterol*,
  • glucose*,
  • and more!

Chair massages will also be offered, and mammograms will be offered for only $58. Other health related topics will include: mental health, nutrition, diabetes, and more. In addition, vendors and informational speakers will be on hand demonstrating the latest hurricane products and providing the information you need to "Prepare and Be Aware!" for this year's hurricane season. Be sure to bring the family, there will be entertainment, face painting and balloons for the kids, giveaways, light refreshments, free health bars, and much, much more! Join us on...

Tamarac Health &
Hurricane Expo 2009

Join the City of Tamarac
Saturday, May 16, 2009
9:30 am - 1:00 pm
at the
Tamarac Community Center
(8601 W. Commercial Blvd.)

This year, Tamarac's annual Health and Fitness Fair has been combined with our Hurricane Expo for the first time ever! Be sure to take advantage of this great opportunity to get invaluable information about the most important topics that effect you and your family's health, safety, and well-being.

See you there!!

Selling Houses and Creating Homes!

Jeannette Neerpat
9000 Sheridan Street
Pembroke Pines, Fl 33024
www.Neerpat.com

Would you like a Free Market Analysis? Visit www.Neerpat.com or call 954-993-4104.

LivingTamarac.com

Photos

3 Comments
Blog_tag

Broward County School time Changes

05-15-09
Jeannette Neerpat, e-Pro Coral Springs/Parkland Real Estate
Jeannette Neerpat, e-Pro Coral Springs/Parkland Real Estate: Real Estate Agent in Coral Springs, FL
  • view my blog
  • Office: (954) 993-4104
  • Mobile: (954) 993-4104

Looks like there are several schools that will be changing there time schedules. As a parent with a child in Elementary school I believe in knowing ahead of time. So I wanted to get this info to you before the start of the new school year. I know we haven't finished this one yet, but you can never be too prepared!!

Heads up, students and parents: 15 Broward schools are changing their start and end times for the 2009-10 school year.

In addition, two new elementary schools opening in August are setting their schedules for the first time. The School Board must approve the schedules on Tuesday, but they are unlikely to tinker with the times. One of the new elementary schools is located on the corner of Commerical Blvd and Pine Island Road. It still doesn't have a name yet.

The schools affected are:

  • Cross Creek School; 9:15 a.m. 3:30 p.m.
  • Mary M. Bethune Elementary School; 8:30 a.m. 2:45 p.m.
  • Flamingo Elementary School; 8:00 a.m. 2:00 p.m
  • Park Trails Elementary School; 8:15 a.m. 2:15 p.m.
  • Driftwood Middle School; 9:30 a.m. 4:00 p.m.
  • Falcon Cove Middle School; 9:30 a.m. 4:00 p.m.
  • Lyons Creek Middle School; 9:30 a.m. 4:00 p.m.
  • Plantation Middle School; 8:45 a.m. 3:15 p.m
  • Pompano Beach Middle School; 9:15 a.m. 3:45 p.m
  • Seminole Middle School; 9:30 a.m. 4:00 p.m
  • Silver Trail Middle School; 8:45 a.m. 3:15 p.m
  • Walter C. Young Middle School; 8:45 a.m. 3:15 p.m
  • Flanagan High School; 7:40 a.m. 2:40 p.m
  • West Broward High School; 7:40 a.m. 2:40 p.m
  • Western High School. 7:30 a.m. 2:40 p.m.

Selling Houses and Creating Homes!

Jeannette Neerpat
9000 Sheridan Street
Pembroke Pines, Fl 33024
www.Neerpat.com

Would you like a Free Market Analysis? Visit www.Neerpat.com or call 954-993-4104.

LivingTamarac.com

Photos

0 Comments