buying a home: Do You Have Plans for the Weekend? Those Plans Should Include Checking Your Credit
- 06/11/19 04:39 AM
If you have ever wondered aboutbuilding a credit score read this!
There are so many excellent articles on Active Rain to do with purchasing or selling a home. So many subjects get covered. One of my favourite writers is Gene Mundt, IL/WI Mortgage Originator - FHA/VA/Conv/Jumbo/Portfolio/Refi who writes about mortgages and credit. His articles are so informative and useful regardless of where you live in the country. This one is well worth a read if you are trying to re-build credit or even establish credit in the first place. I sent this to a young man who recently asked me what steps he … (4 comments)
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buying a home: Did they mean what you thought you heard?
- 02/26/19 12:29 PM
I have been reading a book by Celeste Headlee, We need to talk. Something I read in there, and I will paraphrase: Do not presume that because you are both speaking English you mean the same things with the words you choose and speak.
My wife is from the Netherlands, so automatically I know she is smarter than me because she speaks English very well, plus German, and some French, and of course Dutch. Unfortunately, many English speakers speak well, English and that is it, oh yes, LOUDER ENGLISH as well, because that will help them to be understood. My mother came … (22 comments)
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buying a home: Expectations can throw you off your stride
- 02/12/19 09:42 AM
I am reading Gary Zukav's book Soul to Soul. In there he tells a story about his wife, running a race. It began with a long uphill section, which then became a second stage also uphill. As they reached the end of this stage looking forward to the downhill part of the course they were greeted by another uphill section. Starting to get angry, she thought well everything that goes up, comes down she waited for the downhill section of the course, but no it continued to climb. Struggling with her anger it then dawned on her that the whole course was uphill. … (31 comments)
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buying a home: White Clay Creek Preserve and State Park
- 02/10/19 07:23 AM
Yesterday I met up with some new friends from a group I have joined who hike regularly. I am finding all sorts of places where you can walk short or long distances. Whilst it is cold and the trees have no leaves right now you can see these will be wonderful places come Spring through the Fall.
We met up yesterday at White Clay Creek Preserve and State Park, which is right on the Pennsylvania Delaware border. When it was mentioned we would have some hills to climb in Delaware there was some joking that there are no hills in Delaware and … (5 comments)
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buying a home: Love is in the air #2
- 02/05/19 05:30 AM
As I have thought back over transactions it is so hard to pick out any of my clients as being special. At the moment, the client I am with is special. They have my attention and I work diligently to make sure they are happy and understand the process of buying or selling.
However, a recent post I wrote helped me select the second of my Love is in the air posts. I realized with a recent call from a potential client I love to work with people who really need my help. They want to live in the Tredyffrin Easttown area but for … (14 comments)
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buying a home: Can you change your view?
- 01/22/19 06:34 AM
Real estate is often said to be all about location, location, location. I was reading something this morning which was talking about perspective and seeing things from a different perspective or view. It got me to thinking about changing your view or your location.
I realize also how we talk about things can change how people view things. I remember when I was at the doctor and discussing some test results a few years ago he presented them as "there is 30% or greater chance this is aggressive". That did not sound good. But later, when I thought about it, I thought so … (41 comments)
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buying a home: Do you know what to ask?
- 07/19/18 11:57 AM
When did you last buy appliances?
If you ever wonder about communication skills needed for sales or selling real estate, go buy some appliances.
We just purchased some updated appliances for our kitchen. We learned a tremendous amount about the process and we thought we were relatively savvy buyers. We did all the on line research, we knew what we wanted before we ever went to the store.
However, we discovered all the things we didn't know only when the items got delivered and which no salesman ever told us.
Appliances which are white or black are white or black all over. But, if you buy … (25 comments)
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buying a home: Getting ready to buy a home
- 04/11/18 11:14 AM
If you watch any of the home buying programs it all seems so easy and quick. Call a real estate agent and hey presto half an hour and three homes later you make an offer and it is accepted.
But the reality of buying a Tredyffrin Easttown, Main Line home is before you start looking at homes you need to do some leg work and educate your self to be ready.
So what do you need to do?
1. What is your Credit Score?
Discover - first you need to find out what your credit score is, and then realize the number you find won't be … (13 comments)
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buying a home: What Do Lenders Want to See in Bank Statements?
- 03/21/18 08:02 AM
One of the biggest complaints I get from buyers is about their mortgage process. I try to paint the most dire picture so that it won't seem so bad when they go through it. But, what is actually the problem is not understanding the process and/or how it has changed over time. This post by John Meussner is a great explanation of one step of the mortgage process and why it is required.
Well worth a read if you are going to be applying for a mortgage soon so you are better prepared for the process and hopefully it will go more smoothly.
Once you … (4 comments)
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buying a home: Choosing Your Loan Officer: Don't Short-Change Yourself
- 03/07/18 02:26 PM
Love this post from Gene Mundt, IL/WI Mortgage Originator - FHA/VA/Conv/Jumbo/Portfolio/Refi on selecting a loan officer when getting your mortgage. This is most likely your largest purchase you will make, don't just think some online website is going to give you the best service. You need to do some research and make a selection before you ever start looking for homes so you have time to make an informed decision.
Read for yourself, in the same way selecting an agent to work with is also important for many of the same reasons.
Choosing Your Loan Officer:
Don't Short-Change Yourself
The … (8 comments)
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buying a home: Is it good enough?
- 02/15/18 09:23 AM
First impressions count, this is true especially when marketing your Tredyffrin Easttown home for sale. But more than this is also the need for exposure not just in numbers but in reaching the right audience. Today, many of the buyers are looking for video, not slide shows of homes.
When I first began to venture into using video and being bold enough to step out from behind the camera to in front I was very critical. Critical of myself, my ums and errs, stumbles etc. Much of what I read online encouraged you to press on, to not wait to be perfect, … (24 comments)
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buying a home: Don't hire a full time agent who only works part time!
- 02/13/18 11:52 AM
When selling your Tredyffrin Easttown or Main Line home, there are lots of mistakes you can make from pricing your home too high, not preparing it correctly for sale or making showings complicated or difficult.
But one you may slip into without realizing it is hiring a full time agent who only works part time. Lots of agents today have started not working weekends, so if a buyer agent wants to present you with an offer it has to wait till Monday and maybe by then the buyer has had second thoughts. Don't you want to get that offer on Saturday afternoon or … (26 comments)
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buying a home: Just another thing to love about Berwyn!
- 01/26/18 02:52 PM
Every day I drive through Berwyn I love to see our Veterans' Monument. I love that it is right in the heart of the community so we never forget those who paid the price for our freedom.
I also love the design, the flag hangs from an arch which replicates the front of a Conestoga Wagon, many of which passed through the township in years past, and yet it has a very futuristic feel as well. So, in one design there is a nod to the past and a look to the future. Hopefully we will reach a time when no more … (6 comments)
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buying a home: Another 5 star review for Nick Vandekar
- 01/18/18 12:53 PM
… (16 comments)
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buying a home: 6 things to consider when choosing your buyer agent
- 01/12/18 10:45 AM
2018 is the year you are going to buy a home.
You are looking on line finding homes, visiting open houses, you have your mortgage lined up, everything is looking good.
Except you haven't chosen your buyer agent yet?
Here are six things you need to consider when you interview different agents or consider when meeting an agent who might be your buyer agent.
1) Do we get on or is this person going to annoy me?
2) Do I trust this person?
3) Does this person have experience?
4) Is this person interested in helping me?
5) Who is this agent working for?
6) Most states have a … (16 comments)
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buying a home: Have Student Loans? Think you Can't Buy a Home? WRONG!
- 08/17/17 02:47 PM
Getting good information on mortgages is so important in today's market. Not all lenders are the same and having the right information is essential. Sometimes, to make sure you can acheive your goals. It may mean you have to wait or adjust the plan initially, but at least it allows you to plan.
This is an excellent post by Gene Mundt about student loans and how you can get a mortgage and what you are going to need to obtain one to buy a home.
If you need help in the Tredyffrin Easttown and surrounding Main Line area contact Nick Vandekar, Tredyffrin Easttown Realtor … (4 comments)
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buying a home: Do you know when you need a survey?
- 06/22/17 09:13 AM
Tredyffrin Easttown Real Estate - Do you know when you need a survey?
Buying a home in Pennsylvania and in Tredyffrin Easttown School District does not require the buyer to obtain a survey. it is a choice unlike some other states around us.
However, there are circumstances whenyou should definitely have a survey carried out. Check out our video for advice:
When you should have a survey:
If there are any disputes over property lines Building a pool Erecting a shed Planning to extend the house after purchase Erecting a fence If the amount of property you own is important to you Knowing your … (46 comments)
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buying a home: With Golf and Mortgages: It's Important to Know the Rules
- 05/10/17 06:26 AM
Today's mortgage playing field is very different than it was when you possibly bought your current home. Today the rules have changed and it is vitally important for Tredyffrin Easttown buyers to understand the NEW rules or else there is a high probability it is going to cost you money. This excellent article by Gene Mundt removes lots of the misconceptions and brings you up to speed on today's rules.
If you have questions or need help because rules change all the time contact Nick Vandekar, Tredyffrin Easttown Realtor, with Long & Foster Real Estate Inc., Nick@VandekarTeam.com, office 610-225-7400, cell or text 610-203-4543.
… (5 comments)
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buying a home: Fannie Mae Simplifies Guidelines for Student Loan Debt
- 05/02/17 01:44 PM
Several years ago I had a rental listing for a client. As I was showing the apartment to a young man I asked, "Why are you renting and not buying?" His answer I have a lot of student debt and don't think I can qualify for a mortgage.
Well after a short conversation with a mortgage provider we knew, he changed direction and ended up buying a three bedroom home and becoming a home owner rather than paying someone else's mortgage for them.
I did also rent the apartment and fulfilled my duties to my landlord as well. Not everyone will qualify to buy … (4 comments)
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buying a home: Tredyffrin Easttown Real Estate - What is a contingency?
- 03/16/17 10:26 AM
Tredyffrin Easttown Real Estate - What is a contingency?
So you are either writing an offer or receiving an offer and your agent wants to talk about the contingencies in the agreement. But what is a contingency? Nick Vandekar, Tredyffrin Easttown Realtor answers that question in this video below.
A contingency can be of varying lengths. The mortgage contingency lasts right up to settlement, although a commitment may be delivered ahead of settlement. If the buyer, or one of the buyers loses their job the contingency allows them to get out of the agreement. Other contingencies such as home inspections, including the home, Radon, Wood destroying … (4 comments)
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If you have ever wondered aboutbuilding a credit score read this! 
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