IMPORTANT HOMEBUYING MYTHS & FACTS!

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It takes a lot of money to buy a home:

NOT true, as long as your purchase price is below 387k we can structure the contract so the seller pays all of your closing costs and down payment when using FHA financing. The only thing our buyers typically have to pay for are a few nominal fees.

My credit is not good enough to buy a home:

Many times our buyers are surprised to find their credit is better than they thought and it’s possible to buy a home and still get a good interest rate with less than perfect credit.

With an FHA loan, as long as your credit score is high enough to qualify (as low as 580) you can get the best interest rate possible.

Many times there are even ways to raise your credit score in as little as a week. One recent example of this is a buyer whose score was raised 66 points in just 6 days.  Ask us how.

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I can’t afford to hire a realtor to help me:

One thing that many folks don’t know is, as a buyer, we work for you and the seller pays the traditional real estate commissions.

Really, there is no upfront money needed, just a commitment to use us, as your Realtor, when you buy your home.

A listing agent or builder site agent can help me just the same…I can just call the number on the sign or go into a model home and get the same deal or a better deal:

The listing agent is there to represent the home owner and the site agent is there to represent the builder.

They both try to get the most money possible and best terms for the seller.

We are buyer specialists who work solely for you.

We help you find the best home at the lowest price possible and structure the contract in your favor.

As we mentioned, the seller pays so, why not have an expert in your corner?  Remember, the seller pays the traditional Realtor commissions.

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Different Realtors can show me different properties:

ALL Realtors have access to the same data base of homes or MLS (Multiple Listing Service).

This is where Realtors representing sellers enter the property information and pictures, giving all other Realtors access to the information on the property.

All other Realtors are then invited to show and sell their buyers the property.

Since we all have access to the same inventory of homes, ethics and experience are the key things to look for in your Realtor not property inventory.

By choosing one quality Realtor, you can have access to ALL listings from ALL Realtors and new listings or price changes can come directly to your email inbox each day.

By choosing one Realtor you are likely to receive better service because the Realtor knows they will receive compensation from the seller when you buy and therefore will work harder to find you the home that fits your needs and wants.

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I can save money if I purchase a home that is “For Sale by Owner” (FSBO):

Properties being sold by the owner without representation and consultation from a Realtor are often overpriced.

The price is often derived from inaccurate sources like, the neighbor that sold two years ago or the neighbor whose house was 300 square foot larger. Maybe the price is based on what the owner owes on the house which is not always market value.

There is also an increased chance of mistakes being made during the processing of the transaction when there is no Realtor involved.

Nearly every home owner has been willing to pay our commission so, again, why not have an expert in your corner?

I can’t buy because I am in a lease:

We have had great success getting sellers to pay the break the lease fees for our buyers.

In today’s market sellers are wiling to do things they may not have normally been willing to do in the past to put a deal together.

Don’t miss one of the greatest buying opportunities in our lifetime because of a break the lease fee.

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There are first time buyer programs that can help make home ownership easier:

It is true; there are several first time buyer programs. Some have very low interest rates and some come with free money up to $25,000.

We will refer you to a lender that can provide these programs if you qualify.

My payments will start right away:

By structuring the contract properly we can set your 1st payment out nearly 2 months.

That should help give you time to get settled and be ready for the new payment to begin.

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Lee Rosa's Official Website

Lee Rosa's National Listing Service Website