The Answers to 4 Common Questions About Buying a Home

Buying a home for the first time can be one of the most intimidating processes we undergo in life, but it doesn’t have to be that way! We’re here to spread as much knowledge as we possibly can to help your purchase or refinance go as smoothly as possible.

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4 Benefits of a Mortgage Preapproval

What’s a mortgage preapproval, and why is it important? It assesses your income, assets, debts, and credit history then issues an exact loan amount you qualify for. The preapproval is more than just an extra step added to the mortgage process. In fact, it can benefit home buyers in 4 important ways!

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10 Reasons Why Home Buyers Should Hire a Real Estate Agent

The #1 reason home buyers and sellers choose not to use a real estate agent is…. you guessed it, to save money on real estate commission costs. Looking for savings potential is never a bad thing, but in certain situations, you should ask yourself, “will the savings be worth the headache?”

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At Platinum, is as easy as 1-2-3-4!
Getting a pre-approval letter is the first step towards getting into a new home. You will need to answer some questions about your income, asset you may have and a credit check to see how much house you can afford. You will then receive a letter that contains the amount you are approved for based on the income, assets and credit information you provided.
After you found the right home, it's time to make an offer on the house. This involves submitting a letter that includes information about yourself, your offer price and anything else you like to include in the offer. Most offers include an earnest money deposit, which contains 1%-2% of the purchase price of the home.
An appraisal is always required to buy a home with a mortgage. It helps protect you as a borrower, by making sure that the current value of the property is not lower than what you are trying to buy it for.
Last step is closing on your home. You will receive a closing disclosure, that gives you information about what you need to pay and a summary of your loan details. At the closing meeting, you will sign a settlement statement, mortgage note and mortgage or deed of trust to secure the mortgage note. After which you are finally the owner of your new home.
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