I was showing a client some homes near my home and I come to one that I didn't realize until I drove up, that is was MY FRIEND'S house! She didn't list with me, so I called her up. Come to find out she knew I was in Real Estate, but didn't want to "bother" me. WHAT?! Didn't want to help me feed my family either? After some more talk, it finally came out that she didn't want to reveal their finances to their friend.
So I'm hear to clear up a misconception............................. .....................................
- REALTORS DO NOT CARE HOW MUCH YOU MAKE AT YOUR JOB! We care that you have the means to pay for whatever pricing level of home we are looking for, but we do not care if you are a good saver or an indebted spender. If you came into some wealth from a dead realative or won the lottery, none of that matters to us Realtors.
- REALTORS DO NOT CARE WHAT YOUR BILLS ARE! We all have bills, so you're in good company! We don't want you to go get a new car while we're trying to get you under contract in a new home, because that might change your credit score and change your lending - perhaps even disqualify you from getting a loan at the level you want/need.
- REALTORS DO NOT CARE WHAT YOUR CREDIT SCORE IS! We show houses to anyone that qualifies for a loan. Those that qualify have scores in the 500's and up. You don't need to tell me your score or your weight or education level.
- REALTORS DON'T CARE IF YOUR MOVING BECAUSE YOUR BROKE.....Well, maybe we do. But any of your friends would want to help you for whatever the reason. In fact, your "friend" Realtor would understand the importance of your move and try to get you some help with the downpayment or state funding help. A Non-friend Realtor might just be in for a sale and not to take into account, the whole picture.
The jest of the matter is rely on our Lenders to tell us that you are qualified to get a loan for "$x" amount. The Lenders are the folks that care about your credit score, how much you make and what your bills are. Picking a good lender is another blog.
Just know this.....You CAN have your neighbor, your friend, church member, or family member represent you and the sale of your house and/or the purchase of a new home. Us Realtors also pledge to an ethics code that keep us from sharing any pertanent information with anyone! So feel free to tell us what you think we need to know. Your secret is safe with us!