Know Before You Go

So, you’re thinking about buying a house. Great decision! There are a myriad of reasons why owning a home is smart decision: It’s cheaper that rent, value appreciation, principal pay down, tax write offs, security and the list goes on. Buyers often don’t know where to begin with the buying process. Here’s a suggestion, unless you intend to purchase your home with cash, it will be prudent to speak with a mortgage lender and get pre-qualified for a loan. It’s always best to know what you can afford before you go out shopping for your new home.

Sure, there are tons of part-time real estate agents that would ditch their Bon Bon’s, guzzle their last swing of Red Bull and vault from the couch at the opportunity to show you half million dollar homes, but this would be putting the cart long before the horse. What you would quickly find is the houses you can’t afford look much better than the ones you can afford. So, let’s talk with lender first and make sure that we are setting realistic expectations and showing you homes that you’re likely to buy.

Don’t know a lender? No worries! The Brad Ruckart Real Estate Group would gladly recommend one of our preferred lenders. These are proven, local professionals who know the ins and outs of mortgage financing and will work hard to ensure that you have the best loan for your specific financial situation. In a post-regulatory environment, such as Dodd-Frank, it’s true professionals you need on your team and The Brad Ruckart Real Estate Group only refers the best!

So, in summation, let’s get pre-approved. Call a mortgage professional today. It will just take a few minutes and all you will need is your Social Security Number, your income figures and your debts, and we will be on our way to purchasing your new home.