Your Home Loan Toolkit

January 16, 2019 by Pam 6 Comments

Your Home Loan Toolkit

This is step by step guide to getting a mortgage for your future dream home. It is a 28 page guide, so tons of info and great tips. I think it’s perfect for that late night trying to go to sleep read. Or when using the facility. 😂

This does not give you the roadmap to closing, just to help clear the path to obtaining a mortgage. There are many more steps involved to buying a house, that’s where your friendly neighborhood real estate agent comes in handy. If you don’t have one, I know one who has been in the business since 2002, so she’s very knowledgeable, plays well with others, funny as can be, very calm in the midst of storms and I think you get the picture. 🙂 My direct number is +1 (904) 910-3516. Click the link below to get the toolkit. No signing up necessary.

Do I Need to do a Home Inspection When I buy a House in Northeast Florida?

April 3, 2014 by Pam Leave a Comment

Do I Need to do a Home Inspection When I buy a House in Northeast Florida?

I could really make this blog post super short, just by answering that question. The answer is no. Nope, you do not have to do a home inspection when you buy a home in Northeast Florida. Ok I’m done now. Ha! No, I won’t just leave it at that answer. 🙂

It’s your choice if you want to get one done or not. There’s no law in Florida, saying you have to have it done. When I bought my first home, we did not do a home inspection, and it turned out just fine. However! We were lucky. It could have very well turned out bad. The next house we buy, we will have an inspection done. Here is list of reasons why you should consider having one done:

Peace of mind. Although, things can still be missed during the home inspection, in most cases you catch issues when you have it done.
Most home inspectors are very knowledgeable and can give you great information on maintaining your home. Ask them lots of questions.
They can ease your mind on things, like cracks in the driveway. Most cracks are normal, but if you’re new to Florida or just never noticed before, it can cause some concerns.
Your real estate agent is not an expert in doing inspections, unless of course, they are actual licensed home inspectors. I’ve learned alot over the years, but I can’t tell you how everything works. I have no problem telling you that I’m not sure, and then asking the home inspector to explain it to you.
Even buying a brand new house, you should still have a home inspection done. Builders and their crew are human and can make mistakes. I know of a situation where there was none or inadequate installation in the top bonus room. The inspector caught it for the buyer and the builder fixed it.

Those are a few reasons and there are many more, but I hope now, this post helps you make a more educated decision on whether not you need to do a home inspection when you buy a house in Northeast Florida.

If you would like to search for homes in Northeast Florida, click that previous link. If you don’t have an agent to call your own, feel free to either shoot me an email at pam@pamgraham.com or call direct at 904-910-3516.

Why do I need to talk to a lender before I go looking for homes for sale in Fleming Island?

June 5, 2013 by Pam Leave a Comment

Why do I need to talk to a lender before I go looking for homes for sale in Fleming Island?

That’s a great question buyers ask, especially first time home buyers. Here are few reasons:

By getting pre-approve before searching for a home in Fleming Island, you will know how much you can afford, what loan you’re gonna do, how much you need for closing costs and down payment, plus how much your payments will be.

Skipping the pre-approval part before searching for homes, can cause you to walk away with a broken heart. You find that perfect house at x amount of dollars, then go talk to a lender, only to find out you qualify for 50k less. It really takes the wind out of your sails. You will always be comparing the homes you look at from then on to your dream home and that could make you want to quit looking all together.

In theClay County real estate market, we are seeing less and less inventory, more buyers, which causes multiple offers. Multiple offers give the seller more choices. If you are not approved, a seller isn’t gonna bother with your offer.

Less stress! Getting pre-approved is going to make your home buying process so much better! It may mean the difference of going bald, by pulling your hair out the whole time or closing on your dream home in the next 30-45 days with all your hair in tact and happy for this new chapter in your life to begin.

So, ask your agent for lender referrals if you don’t have one already. Heck, go talk to multiple lenders and compare not only interest rates, but also lender required closing costs.

And if you happened onto this page before you’ve started your search, feel free to search for homes in Fleming Island or homes for sale in all of Northeast Florida.

I’m also a phone call, text (904-910-3516) or email (pam@pamgraham.com) away.

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