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Deciding to Buy


FOR BUYERS 

Congratulations, you’re ready to purchase a home! Whether you’re a first-time buyer or a seasoned homeowner, I can help you get started. So what do you do first? Everywhere you look online you’ll find step-by-step guides to purchasing a home, but everybody’s situation is unique which requires a custom approach.

FIRST THINGS FIRST 

The first thing you should do is align yourself with a local top realtor that can educate and guide you seamlessly through the home buying process. 

You may be thinking, you need to know how much you can afford before even talking with a realtor, which makes sense. However, it’s important to know that not all lenders can do every type of loan, i.e., FHA (Federal Housing Administration), VA (Veterans Affairs), Conventional, USDA, Maryland Mortgage Program (MMP), etc. It’s also important to note that interest rates and fees vary from lender to lender based on your credit profile. 

Lenders have guideline restrictions and interest rate overlays based on whether you’re self-employed, salaried, part-time, retired or, just depending on what type of property you’re in the market to purchase. An experienced realtor can introduce you to lenders that meet your specific needs so you can get it right the first time. 

IT’S A TEAM EFFORT 

Buying a home is a team effort and relationships play a big part in the process. An experienced realtor has a network of professional contacts that can manage just about any scenario, including lenders, home inspectors, private well and septic inspectors, radon testing professionals, licensed contractors, home warranty programs, title attorneys and everything in between. Having a realtor that has a strong network of professional contacts provides you the leverage you need to be in the best possible position for success. 

In the Washington Metropolitan area, inventory is at an all-time low and demand is very high. It’s important to be fully prepared when you find that perfect home so you don’t miss an opportunity.

Contact me today for a free consultation!

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    Darin Rich Real Estate
    Darin Rich, Realtor
    RE/MAX Realty Group
    6 Montgomery Village Ave #200
    Gaithersburg, MD 20879
    darin(at)darinrich(dotted)com 301.452.9319