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Home Buying Made Easy:

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Buying a home can be one of your most significant investments in Richard Woodward Mortgage Homes loanslife. Not only are you choosing your dwelling place, and the place in which you will bring up your family, you are most likely investing a large portion of your assets into this venture. The more prepared you are at the outset, the less overwhelming and chaotic the buying process will be. The goal of this page is to provide you with detailed information to assist you in making an intelligent and informed decision.

10 Things You Should Know:

1) The best investment you can make when shopping for a home is a good Realtor®.  Choose a Realtor® that you get along well with and that you trust.  The expertise of the professional can make a world of difference in negotiations of your offer which they help you with. (Read More Tips)

2) Buying Versus Renting: Which is better?  Buying or renting.  Nearly nine times out of ten, it is best to purchase a home.  If you are renting a home, then likely you can afford to purchase.  There are only three conditions when renting is better than buying which are (Read More)

3) Eight Steps to Buying: Buyers have many reasons to purchase a home, and most of them good- a roof over your head and wealth building rank among the top reasons to purchase a home.  Home ownership, when done right, is an investment in financial security and planning.  There are many financial reasons that are supportive in  your decision to purchase a home which  include tax benefits, value appreciation and equity buildup. (Read More)

4) How Real Estate Agencies Work?: Real estate agencies represent the best interest of their clients and have a duty to act honestly and fairly. In the real estate market, there are three types of agencies- one agent that represents the buyer and seller at the same time, one agent that represents only the seller or one agent that represents on the buyer. (Read More)

5) How Can a Realtor Help: When it is time to purchase a home, your real estate professional is the expertise you need.  When you first decide to purchase a home or investment your real estate agent or Realtor® will guide you on the steps involved in the process, which, typically begins with determining your buying power.  Your buying power is your financial savings plus your borrowing capacity.  Your agent will discuss your basic financial information with you, such as your savings, income and debt and will recommend qualified lenders which they have successful worked with in the past and who have the best loan packages available. (Read More)

6) Making an Offer:  Once you have found your dream home, then it is time to determine what dollar amount you would like to offer the seller for the purchase of the home.  Buyers making offers on homes with high competition need to be aware that their offer should be higher, or even exceed the asking price if they hope to be the accepted offer. (Read More)

7) New Home VS Pre-owned:  When you first begin your house hunting, it is often confusing when it comes to your wants and needs.  Your best bet is to determine whether a new home or a pre-owned home is right for you.  Here you will evaluate your needs to help assist you in your decision making. (Read More)

8) No No When Home Buying:  Prior to the purchase of a home, you don’t want to create debt, or you may find that your loan does not go through.  Your credit is not only checked when you are preapproved for a loan, but, at the closing of a loan, and it is essential that no major purchases have occurred.  This means, no vacations, no new car, no new furniture and so on. (Read More)

9) Real Estate Buying Process:  Find a Realtor® that you like and trust.  Your Realtor® will ask you to complete an agreement  which is your commitment to work with them.  If you work with multiple agents it will backfire.  All agents use multiple listings and you will not have the one on one attention needed to find your dream home. (Read More)

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