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I Hate To Burst Your Bubble

By
Services for Real Estate Pros with Ward County Notary Services 607851

Unfortunately bursting bubbles often goes along with being a Real Estate professional. This includes lenders. All real estate should start with a visit to a lender (why look at homes you may not be able to afford?).

Once you start looking for homes there is always the possibility your dream home is just not out there on the market or within the reach of your budget to build.

Moving along, once you have found a home that meets your needs, the danger of your bubble bursting is not yet over. I highly recommend a Home Inspection prior to purchasing. A home inspector is going to look for flaws to protect you from defects that would be a red flag to purchasing.

In an effort to keep this short I will mention one more bubble bursting possibility, INSURANCE! Home owners insurance is becoming a bigger and bigger bubble bursting deterrent due to the cost or even refusal to insure. Insurance may be denied do to prior flooding, inadequate electrical service, age of the roofing materials and more.

In a perfect world our bubbles, no matter how large, would not get burst. Be prepared for real life when you enter the real world.

Posted by

Do you enjoy the cartoons written by my son (Timmothy N. Timm) which I use as a springboard to write my daily posts? His strip, Titus & Philemon, has run in two newspapers for years as well as being printed in my blog every day. Titus & Philemon (pronounced Phi - Lee -Man) are guinea pigs. Their owner is Joe. Timmothy has never repeated a joke/comic strip in the 12 years he has been writing it. He has never copied another strip, such as Peanuts or Garfield. You can follow Timmothy on FB as Titus & Philemon and you can also check him out on Instagram as Instagram.com/titus and philemon/ .For Timmothy's website type timmtimmothy.com into your browser. I tried to put it in a link here but it refuses to work. Do NOT put anything in front of timmtimmothy.com or it will not work. 

Comments(10)

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Roy Kelley
Retired - Gaithersburg, MD

Good Friday morning, Bob.

This is very good information to share with prospective home buyers.

Jun 20, 2025 03:57 AM
Bob "RealMan" Timm

Thank you Roy Kelley . Sometimes we need to prepare our clients for bad news.

Jun 20, 2025 06:07 AM
Ed Silva, 203-206-0754
Mapleridge Realty, CT 203-206-0754 - Waterbury, CT
Associate Real Estate Broker

This offers an insight that many buyers and some agents fail to realize, that the deal is not done until the final papers are signed.

Knowing buying power is where it starts.

Jun 20, 2025 04:44 AM
Bob "RealMan" Timm

Thank you Ed Silva, 203-206-0754 . I wish all Buyers would recognize that shopping for a home should start with a lender.

Jun 20, 2025 06:08 AM
Nina Hollander, Broker
Coldwell Banker Realty - Charlotte, NC
Your Greater Charlotte Real Estate Broker

Good morning, Bob... insurance is increasingly playing a big role in people's ability to afford a home. They can't just wait until the last minute to get a binder before closing.

Jun 20, 2025 05:11 AM
Bob "RealMan" Timm

It's really sad isn't it Nina Hollander, Broker that insurance has now become a key factor when it once was a given that a home would be approved and at a reasonable price as well.

Jun 20, 2025 06:10 AM
Jeffrey DiMuria 321.223.6253 Waves Realty
Waves Realty - Melbourne, FL
Florida Space Coast Homes

Well, I must admit (with higher payments) I have had to burst a few bubbles in the last couple of years...but we can usually start a new slightly smaller bubble. 

Jun 20, 2025 06:14 AM
Bob "RealMan" Timm

That's sad Jeffrey DiMuria 321.223.6253 Waves Realty but it is today's reality.

Jun 20, 2025 06:17 AM
Wayne Martin
Wayne M Martin - Oswego, IL
Real Estate Broker - Retired

Good morning Bob. As long as the bubble bursts after lion approval, a satisfactory home inspection and a closing, the dream is complete. One way to look at it. Enjoy your day.

Jun 20, 2025 06:15 AM
Bob "RealMan" Timm

That's a good way to look at it Wayne Martin . Many are just going to have to dream a little smaller.

Jun 20, 2025 06:19 AM
Brian England
Ambrose Realty Management LLC - Gilbert, AZ
MBA, GRI, REALTOR® Real Estate in East Valley AZ

Bubbles are amazing and always seem to catch the attention of young kids!

Jun 20, 2025 06:39 AM
Bob "RealMan" Timm

Brian England recently my neighbor bought one of those wands that blows bubbles as big as a VW and it was fun to see her kids go crazy of the bubbles.

Jun 20, 2025 12:35 PM
Dorie Dillard Austin TX
Coldwell Banker Realty ~ 512.750.6899 - Austin, TX
NW Austin ~ Canyon Creek and Spicewood/Balcones

Good morning Bob,

Bursting Bubbles seem to happen quite frequently for buyers right now! The Homeowners Insurance rates can through a buyer's PITI totally out of whack! 

Jun 20, 2025 06:40 AM
Bob "RealMan" Timm

It seems home owners insurance has gone through the ceiling in recent years Dorie Dillard Austin TX and if you are borrowing you have to have it. That being said our home was paid for a dozen years ago BUT I would never go without it.

Jun 20, 2025 12:33 PM
Will Hamm
Hamm Homes - Aurora, CO
"Where There's a Will, There's a Way!"

Hello Bob,  Sometimes people want more then what they can afford.  Question I am that way when I go grocery shopping and have to cut back on some things.

 

Jun 20, 2025 11:47 AM
Bob "RealMan" Timm

Grocery shopping would most likely be more than I can handle as I have not really done any in over 25 years. 😏

Jun 20, 2025 12:31 PM
Lew Corcoran
Better Living Real Estate, LLC - East Bridgewater, MA
Expert guidance. Exceptional results.

Thanks so much for sharing this insightful post, Bob "RealMan" Timm. I really appreciate how you highlight the importance of being realistic and prepared in the buying process. Your tips on inspections and insurance are eye-openers that every buyer should keep in mind. 😊

Jun 20, 2025 01:06 PM
Bob "RealMan" Timm

Who would have thought home owners insurance would be such a big factor in purchasing a home Lew Corcoran ? It never factored in when I was active.

Jun 22, 2025 07:04 AM
Patricia Feager
Flower Mound, TX
Semi Retired Real Estate Agent

Bob "RealMan" Timm - Clearly there are many things to think about when shopping for a home. Decisions should not be made purely on price or that could bust your bubble. 

Jun 20, 2025 08:21 PM
Bob "RealMan" Timm

Yes, basing your home purchase only on price is a very poor plan Patricia Feager .

Jun 22, 2025 06:59 AM