I spoke with a couple recently who stopped by my open house. While showing them the house our conversation turned to their target budget. I was surprised they were looking in this neighborhood as the budget was at the upper end of most home prices nearby.
Then I asked if they had spoken with a lender. The response was "not yet until" they found the house they liked.
That is when I realized they were not really interested in buying a such as looking!
Serious buyers take serious steps when preparing to buy a home.
What are serious steps?
First of all, it comes down to ability to purchase. Unless one has a sizable amount of cash available most buyers seek a mortgage.
Key point: If one is considering a home purchase anytime in the near future, it is never too early to consult a mortgage lender.
Likewise, it is never too early to consult a local Realtor.
Ask your lender to provide a mortgage pre-approval letter. This is different from a mortgage pre-qualification which means absolutely nothing!
A mortgage pre-approval is not so much a statement of fact as it is an indication that a buyer is seriously approaching the process.
- What is the difference between a mortgage pre-approval and a mortgage pre-qualification?
- Cheat Sheet for Home Buyers
- Buy a House in Florida: Here is the language!
- Contract to Closing in Twenty Steps
- What is the appraisal comes in low?
If you are looking for a home in Viera or Rockledge, Florida, give me a call or text me directly at 321-693-3850.
Considering selling your Viera, Florida home? Call me for your free market analysis.