Articles Tagged "Pre-approval"

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Spring Home Bidding-Sprague and Curtis

Birds are chirping and blossoms are beginning to emerge. Just as Mother Nature awakens from her long winter snooze, home buyers around Augusta, Maine are emerging from their homes to take a peek at the beautiful Augusta homes for sale this season. This can create competition for property and buying the home of your dreams requires strategic planning on your part. If you want to submit the right bid at the right time, the following are five tips for successful springtime home bidding we recommend.

  1. Secure Pre-approval Locally
    Securing pre-approval shows the seller that you have the ability to purchase the home. This puts them at ease and gives you a little leverage to negotiate. When you secure the pre-approval from a local lender, you're likely to receive preference over competitors who have pre-approvals from online or out-of-area lenders.

    Don't forget to polish your credit before you go in to secure a mortgage preapproval. Make sure that the information is accurate and that any discrepancies are addressed. It's also advisable to pay as much of your debt down and take steps to improve your debt-to-income ratio.

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Save for a Down Payment

Buying a home requires planning and commitment, and one of the biggest considerations a home buyer should take into account is being prepared to make a down payment. Once you have determined how much you are able and willing to spend on a home, it's time to start deciding how you will save for a down payment. With a unique range of Augusta homes for sale, finding your next home may be easier than you think with guidance from our real estate agents. Here are a few practical ideas to help you start saving now. 

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Buy a Home Loan Pre-Approval
Landing your dream home starts with understanding exactly what sellers want to see, especially when you're shopping in a competitive market. In order to stand out from the pack, you need to show the seller that you're serious, and that you're financially prepared to make an attractive offer. That's one reason why getting pre-approved for a mortgage should always be your first step when buying a house. Our real estate agents have the details on why pre-approval is so important, and what you can do to kick-start the process of getting pre-approved for a mortgage.

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