Charlotte, North Carolina rental houses: Selecting a lender is a matter of personal preference. Many people often shop around, looking for a lender that offers the lowest rate. More often, however, people will choose a lender based on a referral from an agent or friend. Most lending institutions will offer the same basic programs, such as FHA, VA, conventional fixed rate, etc.; and most will meet or beat another lender’s rates. What usually separates one lender from another is their “niche” product. An example would be a lending institution that specializes in low down payments, as compared to another that specializes in self-employment financing. Most agents will be able to point you in the right direction based on your particular situation.
If you’re going to buy a house it makes a lot of sense to make sure that rush hour traffic isn’t unbearable. The last thing you want is to buy a home and find out that you’re going to be sitting in heavy traffic every day. Time is more valuable than money, you don’t want to spend your time in traffic – I know I don’t. You want to spend your time doing more important things like spending time with your family. We always recommend our buyers check out the commute to and work on different days just to make sure it’s something they are comfortable with.
Many people often wonder, “Do I need a Charlotte seller agent? Maybe I could sell my home myself?” Studies have proven that homes marketed on the MLS by a professional Realtor or a Charlotte seller agent, generally sell more quickly and for a higher price than those who do not use a Realtor. There are many obstacles that a seller can face without proper representation. By hiring a Realtor, a Carolina Realtor, you are hiring a professional marketer with extensive knowledge of the current market trends, statistical data and a thorough knowledge of the contracts that are required to comply with both state and national laws. Find a few more info at Charlotte rental houses.
Being careless with credit. Lenders pull credit reports at preapproval to make sure things check out and again just before closing. They want to make sure nothing has changed in your financial picture. How this affects you: Any new loans or credit card accounts on your credit report can jeopardize the closing and final loan approval. Buyers, especially first-timers, often learn this lesson the hard way. What to do instead: Keep the status quo in your finances from preapproval to closing. Don’t open new credit cards, close existing accounts, take out new loans or make large purchases on existing credit accounts in the months leading up to applying for a mortgage through closing day. Pay down your existing balances to below 30 percent of your available credit limit, and pay your bills on time and in full every month.
At Grant Street Realty, your Carolina realtors, when we start working together to sell or buy your property, we will develop a plan that will met your expectations and achieve your goals. We want to make this process as smooth and informative as possible for you. We help you with houses in Charlotte, NC for sale and houses in Charlotte, NC for rent. When we help you to find a new home, we start with a simple question, “Where do you want to wake up?” A home is about so much more than the number of bedrooms and bathrooms. This is where you will make memories, have friends and family over and live your life! Our goal is to focus in on what really matters most to you in a home. See a few extra info on https://grantstreetrealty.com/.