Jun 212017
 

Are You A First Time Home Buyer
With  Questions About The Home Buying Process?

Brachel Rogers first time home buyers seminar

As a buyer’s agent, I am really excited about my upcoming First Time Home Buyers Seminar. The real estate market is HOT right now, and it is the perfect time to buy a house. However, I know that the process can be overwhelming for first time home buyers. So, I have teamed up with the staff of the Statesboro Regional Library to educate local residents about the steps of purchasing a home. The first seminar is scheduled for July 15, 2017, from 2:00 pm- 4:00 pm. The event is free to the public, so tell all of your friends and family!

A Home Mortgage Lender and a Credit Consultant
Will Also Speak At The Seminar

Mr. Landon Lanier of Renasant Bank will speak about the different types of home mortgage loans. So if you have questions about FHA home mortgage loans vs Conventional home mortgage loans, or USDA home mortgage loans vs Georgia Dream home mortgage loans, this seminar is definitely for you.

Ms. Kashiff Lanier of Focused Credit Solutions is also scheduled to speak at the seminar. She will explain how credit scores affect the home buying process, and she will discuss great tips for maintaining a good credit score. In addition, she will explain how credit to debt ratio affects your credit score. After hearing her speak, you will definitely understand why credit is so important during the home buying process.

Please mark your calendars for July 15, 2017. I can’t wait to see you there!

Let Me get You Those Keys,

BrachelFirst Time Home Buyers Seminar with Licensed Real Estate Agent Brachel Rogers in Statesboro, GA

 

Tell your friends!
May 302017
 

First Time Home Buyers Should Speak With A Mortgage Lender Before Shopping For A Home

Talk to a mortgage specialistI advise all of the first time home buyers that I work with to speak with a home mortgage lender before we begin to shop for homes. This is because there several factors involved with being approved for a home mortgage loan! 

First of all, it is important for the real estate agent to show the home buyer homes within their price range. Mortgage lenders will verify income. In addition, there are several types of home mortgage loans. The home buyer’s credit score, as well as debt to credit ratio will also impact the amount of the home loan.

It is not uncommon to have a 640 credit score and still not be approved for a USDA home loan. Perhaps the annual income of the home buyer exceeds the mandated allowance, or the debt to credit ratio will be above 41% with a home mortgage. Speaking with a mortgage lender first allows the home buyer to choose the home mortgage loan that is best for them, and helps the buyer to choose homes that are within the price range of the pre-qualification letter.

When A Home Buyer Is Prequalified, The Seller Knows They Are Serious About Purchasing A Home

home-buyers pre-qualification letterShopping for a home is somewhat similar to shopping for a car. A good real estate agent will work on behalf of the home buyer in order to get them the best deal possible when purchasing a home. When the home buyer takes the time to get prequalified before searching for a home, it lets the seller know that the buyer is serious about purchasing. Often times, when the seller knows that the home buyer will still buy a home even if the home buyer doesn’t agree with the seller’s terms, the seller will negotiate a final selling price that may benefit both parties.

As you can see, it is very beneficial to get pre-qualified before you start searching for your forever home. Don’t worry, I promise to be there every step of the way in order to make the journey as stress-free as possible! So call me, and visit my preferred lenders. I can’t wait to help you find the perfect home!

Let Me Get You Those Keys,

Brachel

Tell your friends!