Since I have started working in real estate I have learned a lot of things that I wish I had known before! One of the most important things I think I've learned since I've been on this amazing team of people is that one of the best first steps any person who is considering buying a home should take is to get a pre approval from a mortgage lender! And not just one but a couple actually! Lenders are all different and have several different programs that vary from the others! For example some lenders specialize in first time home buyers and have special programs they can offer those types of clients, another lender may be able to help veterans more than others. Those are just a few examples of some of the differences between lenders and some will work with lower credit scores then others and even if one tells you no another one may just say yes! Now a misconception that a lot of people have is that by having several lenders pull your credit report it will drop you score significantly! This is false!!! The credit agencies that report your score are able to tell that it is all mortgage lenders that are checking your credit history and they actually respect that you are doing your due dillagence and shopping around for the best mortgage lender for you and your family! It is only when you start having different types of financial institutions like a car place and a mortgage lender and a credit card co all checking your credit history at the same time that it will affect your score! A couple other reasons to get pre approved before you begin the search for your next home is because the lender can tell you what amount you can be approved for so you will better know what price range of a home to look at and also when you have a pre approval letter on hand your offer on your dream home will be accepted first before and ahead of anyone who does not have one! And in today's hot market that can make all the difference in getting the home you truly want before someone else does! Trust me having a good lender and a good real estate agent can make all the difference in getting into your next dream home! P.S. Call me or message me @ 317-548-6424 if you need either! ;)
Author:Client Care Team Phone: 317-884-5000 Dated: August 2nd 2016 Views: 2,468 About Client Care: ...
Why choose the Scott Smith Realty Group at Keller Williams? We take a different approach to real estate; one built upon personal touch, a win-win philosophy and positive results. The real difference is that we offer leading edge technology combined with experience and integrity. Our team is comprised of dedicated professionals specializing in each phase of real estate. In addition, our extensive knowledge of the Indianapolis Metro Area allows our team to serve you the best. Just choose an area, and let us start working for you!
Since I have started working in real estate I have learned a lot of th
"I cannot speak highly enough about the SCOTT SMITH TEAM. Diane Gragg is amazing. As a first time seller and a very "nervous Nellie" Diane gained my trust that very first meeting. My home went on the market 9/8/14, closing is set for 12/15/14. I had my fingers crossedand high hopes to be re-located to FL with my family by the first of 2015 and out of 61 years of IN winters. I am on top of the world knowing that Christmas will find me with them in FL. The promos I heard on WFMS led me to Scott Smith I am so thankful I made that call last September."