The New 21 Commandments of Buying a Home

Real Estate Agent with Keller Williams Legacy Metropolitan - Baltimore

The New 21 Commandments of Buying a Home



1. Thou shall not view even one home without being pre-approved for a mortgage.(CALL ME OF COURSE)

2. Thou shall not buy the first home that you view.

3. Thou shall not fall in love with the décor.

4. Thou shall read and understand the terms of the entire purchase contract.

5. Thou shall not be your own home inspector (unless you are one in real life).

6. Thou shall not quibble with the seller over minor repairs.

7. Thou shall not be your own lawyer (unless you are one in real life).

8. Thou shall not spend the money you have saved for your down payment.

9. Thou shall not spend the money you have saved for your closing costs.

10. Thou shall show up at closing with a certified check & homeowner's insurance policy.

11. Thou shall not send pictures of your pay stub from your iPhone.

12. Thou shall not take a credit card advance for your down payment or closing costs.

13. Thou shall not keep your down payment money in the freezer or under a mattress.

14. Thou shall not take 3 weeks to submit additional documentation requested by the underwriter.

15. Thou shall not expect the home to appraise higher than other homes in the neighborhood.

16. Thou shall not send 5 pages of bank statements when the statement says there are 6 pages.

17. Thou shall not cross out account numbers on your bank statement.

18. Thou shall not cross out social security numbers on tax returns, W-2's or paycheck stubs.

19. Thou shall not complain about interest rates being lower on TV if your credit score is below 700.

20. Thou shall not have NSF fees on your bank statements.

21. Thou shall not open a new credit card account.



Once again, if you, your family, or your friends are in the market for a new home, please call me and let's get the pre-approval process started and in hand before the house shopping begins!


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Bruce Hicks
Best Homes Hawaii - Honolulu, HI
Your Lifetime Friend/Helper!

a Fine article Helene.  THis should be posted on the door of every future buyer.

Aug 08, 2014 08:08 AM #1
Kevin Mackessy
Blue Olive Properties, LLC - Highlands Ranch, CO
Dedicated. Qualified. Local.

Wish they would not quibble over minor repairs.  Sometimes it's not even worth it, but minor things like getting an AC serviced shouldn't be too much to ask.  

Aug 08, 2014 08:41 AM #2
Florida Tolbert Team Keller Williams Advantage
Keller Williams Advantage III Realty in Lake Nona - Orlando, FL
Keller Williams Land Division Specialist

We just sold a customer and I told him I was showing him 3 homes that matched him perfectly and he loved the first and said were good and write it up.  

I said let's at least see the others and we did and he bought the second.  

Aug 08, 2014 03:09 PM #3
Sandy Padula and Norm Padula, JD, GRI
HomeSmart Realty West & Geneva Financial, Llc. - Carlsbad, CA
Presence, Persistence & Perseverance

Helene: Good stuff here in your blog post. It is funny how despite everything we tell our buyers, they always seem 'Hell-bent' on defying our guidance and mess the process up along the way. Thank you!

Aug 09, 2014 12:48 AM #4
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Helene Kelbaugh, REALTOR, Internet Marketing Specialist

Keller Williams Legacy Metropolitan
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