Calling the listing agent on each house
Most people think that they need to contact the agent whose name in on the sign of the home they are interested in. Afterall, that’s who is selling the house, right? Right! That is the sellers agent who is selling the home. As a buyer, you want to hire an agent to show you any and every home to find the perfect home for you. That’s one point of contact who can show you every home listed for sale. Operating “piece meal” can really sting you! By working with the Kindler Home Team you flow effortlessly through the process with us as your guide. Tira Kindler can show you any home listed in northeast florida as well as negotiate on your behalf to get you the very best deal. Jason Kindler can handle every aspect of your financing with The Bank of England in Jacksonville, FL. We work together so you don’t have to pull the pieces from every aspect of the transaction.
Not knowing how much they can afford before they make an offer.
Your credit will determine TWO things…..whether or not you are approved for a mortgage, which mortgage program is best for you given your circumstances and what your interest rate will be. Once those things are determined you know how much of a monthly payment you will be able to swing and how much money you will need to put down. Then, we know what the price tag of the home can look like, what kind of taxes, CDD fees and HOA fees will keep you in the proper range etc. Without being pre approved there are too many variables to conduct a true search that won’t waste your precious time, or worse, leave you falling in love with a home that you simply can not purchase. With the Kindler Home Team, we operate with laser focus, finding you the best you can buy! One of the best things about Kindler Home Team is that we operate on a synergistic level. Everything flows in the right direction, step by step, making the process seamless, easy and efficient. Jason Kindler will run your preliminary online application which can be found here.
Not getting a home inspection
Home inspections can be costly, typically $400-$600 depending on the size of the home. However, there is absolutely no good reason not to get one! Once we’ve found the perfect home for you, we’ve negotiated the price and the closing costs, you have ten days to conduct inspections and determine “at the buyers sole discretion” if you want to continue the sale. That means that if something is revealed in the inspections that makes the home undesirable to you then your binder deposit will be refunded and you are not bound to the agreement to buy. Usually, if the home inspection is shared with the sellers we can renegotiate for repairs to be made for the sale to continue. Either way, you need to know if there are defects in the homes major systems, stucco, roof etc. before you purchase the home.
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