The Home-Buying Process: First Steps

Aug 6, 2020 9:41:21 AM / by Brett O'Daniell posted in Pre-Qualification, house hunting, home purchase, Credit, Credit Score, homebuying

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Congratulations! You've decided to begin your journey to becoming a homeowner.  We know this cab be a stressful process, and are providing some information to help you along the way. 

HomeTraq has several key services that for giving you a positive foundation for your home-buying experience. We will be assisting in your home search, and our network of lenders will be helping you through the financial process. The best part? Our network of real estate agents is ready to start showing you a home on your terms!

 

 

Here's what you should know if you're planning to buy a house. 

Finding a home to tour

Searching for the right home is one of the most exciting parts of buying a house. It can be stressful at times, too. You can go in with certain expectations or with an open mind. Either way, you are making a huge decision, and it can carry a lot of stress.

That's why we are making it easy! Simply begin by visiting HomeTraq to view a home at your convenience! Start by choosing the property you want to see and when you want to see it. Once you click "SEE IT NOW," we will coordinate the rest. Most importantly, you can tour the home at a time that fits your busy schedule!

We also want to be sure that you find the home that is fitting your requirements. That is why HomeTraq is pulling houses from your local MLS (Multiple Listing Service) 24/7. This gives you several options for when you start your search. 

Finally, it is important that you are surrounding yourself with people who have been through the home buying process. It is a long process, involving a lot of decisions. Having someone you trust in your corner with experience buying a home can help answer any questions you may have or advise you along the way. 

 

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Truth about Down Payments - Should I pay 20%? [ Real Estate Insider ]

Aug 5, 2020 4:43:58 PM / by Brett O'Daniell posted in Mortgage, home purchase, negotiation, housing demand, financing, misconceptions, loan

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Have you ever wondered how much you need to budget for a down payment on a house? Like any other large purchase, lenders usually want a down payment to secure a mortgage. The amount may vary depending on your situation, but most financial advisors recommend paying at least 20% of the value of the home as a down payment. First of all, this reduces the total amount you have to borrow. It also covers Private Mortgage Insurance (PMI) fees that lenders would include if you don't reach the 20% down-payment threshold.

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Selling Your House - Where Do You Start? [Real Estate Insider]

May 19, 2020 8:12:32 AM / by Brett O'Daniell posted in home purchase, housing market, selling agent, before you buy, homebuying, selling home, online home buying

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Common Home Buying Questions Answered [Real Estate Insider]

May 6, 2020 7:05:01 PM / by Brett O'Daniell posted in real estate, home search, home purchase, before you buy, buying a home, homebuying, online home buying, innovation

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How to lower the costs of buying a home [4 Insider Tips]

May 3, 2020 4:23:16 PM / by Brett O'Daniell posted in Home tour, home shopping, real estate, home search, home purchase, before you buy, buying a home, online home buying

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Buying a new home can be a really exciting time, but it can also be a bit stressful and overwhelming. Closing costs are often a point of concern for first-time homebuyers. How much will they be? Will you have enough money to cover the costs? What do closing costs even cover?

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Tax Benefits of Buying a Home [Real Estate Insider]

Apr 28, 2020 2:29:10 PM / by Brett O'Daniell posted in home purchase, property taxes, home ownership, credit profile, mortgage payments, before you buy, buying a home

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Real Estate Master Terms [Home-Buying Guide]

Mar 10, 2020 4:20:50 PM / by Brett O'Daniell posted in home shopping, real estate, house hunting, home purchase

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The Home-Buying Process: First Steps

Feb 24, 2020 1:08:33 PM / by Brett O'Daniell posted in Pre-Qualification, house hunting, home purchase, Credit, Credit Score, homebuying

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Congratulations! You've decided to begin your journey to becoming a homeowner.

HomeTraq has provided several key concepts that will provide you a foundation for your home-buying experience. For FREE, hands on help, Click Here

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4 reasons why buying a home with cash may be a mistake...

Oct 8, 2019 4:49:14 PM / by Mark Gorman posted in Mortgage, Pre-Approval, Pre-Qual, Lending, Home Loan, Pre-Qualification, Approval, professional, home purchase, financing contigency, FHA, closing costs, homebuyers, home ownership, PITIA, financing, capital, payments, mortgage payments, emergency funds, boosting credit, income, asset, myths, credit bureaus

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There’s a common misconception out there that buying a home with cash is always a faster and easier option than financing. If you have the funds to buy a home in cash (congrats on that saving, by the way), financing might actually be a better option. Financing your purchase with a qualified lender offers homebuyers a host of unique advantages that cash buyers just can’t enjoy. If you’re weighing your cash vs. financing options, consider the following:

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You found it! Should you call the listing agent to view the home?

Aug 21, 2019 8:09:00 PM / by Mark Gorman posted in buyer's agent, commission, listing, home purchase, homebuyers, housing market, dual agency, homes for sale, real estate tech, representation, agency, listing agent, selling agent, St. Louis, Zillow

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You can call the selling agent to setup an appointment to view a home, but not having your own representation could be tricky...

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