Profile picture for sunshineswtie6

Not sure where to start

    
  • February 09 2014 - Covington
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Answers (10)

If you are interested in starting the process of looking for a home, I usually would begin by securing a pre approval, if you intend to finance your future property. If you feel most comfortable working with your local bank to see what you would qualify for you should meet with a Loan officer there. If you feel that you may have a few challenges credit wise which may require more direction, I would suggest that you locate a lender here on Zillow who would be able to guide you through the process of what to do to become pre approved. Thereafter, you can find a realtor on Zillowl native to your area who will be able to assist you in locating your home.
  • February 10 2014
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Profile picture for RealEstateCrew
Interview the top Zillow Pros in your area (clink on the Find a Pro link above) hire the one that you feel will best serve your goals, then go over where to start.  
  • February 10 2014
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You could always do a home search online (e.g. Zillow) to see what properties are out there within your search criteria. Once you find a home that you like, submit a request online to receive more information from a realtor. When that realtor gives you a call, that's the perfect opportunity to ask your questions.
  • February 10 2014
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Assuming you're talking about buying a home, the best place to start is either with selecting a real estate agent or selecting a lender.  Either will be able to refer you to the other to complete your team.

The reason I recommend this approach is quite frankly there's no good way for a consumer to pick either an agent or a lender, but if you have one refer the other than chances are at least one member of your team will be really good. That's because an agent is not going to want to refer clients to lenders who have problems closing loans and a lender is not going to want to refer clients to an agent who cannot get the client into a house.

And if there's one thing you should take away from that message, it is this:  There are a lot of bad agents and bad lenders out there.  On the agent side in the Covington area probably close to half of the agents cannot write a technically proficient offer (one a seller could sign off on if they were agreeable to the price), and writing a technically proficient offer is necessary if you're in a multiple offer situation.  On the lender side there are some big lending companies which almost always seem to have problems funding on time.

Once you get past selecting your team the answer will depend on your situation.  Some people are ready to go looking for houses fairly quickly after a credit report is pulled.  Some people need to take buyer education classes so that they can qualify for some of the state lending programs.  Some people need to take a few months to do some credit repair work.  But whatever your situation if you have a decent team helping you they can point you in the right direction.
  • February 10 2014
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Profile picture for 1AllisonSmith
If you know someone who has recently purchased or sold their home, and they had a great experience, ask them for their realtor information. Your realtor will sit down with you, and walk you through the process.
  • February 10 2014
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Profile picture for daveskow
If  interested in buying a property - get pre approvied  first
its  easy
its free
it can be done quickly / efficiently  over the phone / on line or  face to face ( your preference )
it is non obligatory
you can review  current  loan programs / rates ann many different  hypotehtical options

Let me know  if we can assist  or if you have any specific  questions
  • February 09 2014
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Profile picture for wetdawgs
Here's a link to Zillow's buyer's roadmap.   Questions you can ask yourself are things such as "what are my FICO credit scores?'   "What and how much are my debts?"    "How much have I saved up for down payment, closing costs and reserves?"    Under the word "mortgage rates" in the top line, you'll find some calculators such as "affordability calculator".  Play with these.

The right place to start is studying and evaluating your finances and learning about the process.   using a salesperson for education may be possible, but most likely you will benefit from doing some study up front. 

Home buying is not an emergency.   Work through it in a way that makes you happy for a long long time, rather than in crisis mode.

  • February 09 2014
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Want to know if you can buy? Call some good lenders and find out how much of a loan you may qualify for or what you'll need to do to get qualified . Want to know who the good lenders are? Ask an experienced Realtor.

With that information,'you can play with the idea by looking at houses for sale online and visiting open houses. This will help you form your expectations and zero in on areas.

When you are ready to get serious, sit down with a lender and get pre-approved. Then, find a Realtor you feel comfortable with and start looking.  

Want to sell?
Clean everything inside and out. Repair the leaky faucets, broken hinges, etc. Then call 2-3 Realtors to come over and advise. They will answer questions, show you the market value of your home and give suggestions on any further improvements,
  • February 09 2014
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It's always best to start at the beginning -- and all you do is follow the Yellow Brick Road - Glinda the Good Witch
  • February 09 2014
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If you are referring to buying a home, a good place to start is call a mortgage lender and go through the Pre-qualification process.  This will allow you to determine what you are comfortable with for your monthly payment, and the details of the financing program.
  • February 09 2014
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