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Blog: Home Buying

10 Tips for Finding the Best Deal on Your Mortgage

Most people will need a mortgage to buy a home. That means that not only do you need to shop for a home, you need to shop for a home loan. But a survey of 2013 borrowers by the U.S. Consumer Financial Protection Bureau found that almost half of borrowers didn’t shop around before settling on a mortgage. They should. In fact, you may find more loans to choose from than you do houses. READ MORE

Via MSN/US News

  Now is the time to make the move! Search for Homes for sale in Columbia, South Carolina & Search for Homes for sale in Lexington and Lake Murray, South Carolina

How to Fire Your Agent or Client

Most people are nuts. Let's face it. Buyers and sellers are nuts. Agents and brokers are nuts, too. We’re all a bit nuts in our own individually weird ways, which makes us unique and intriguing. I say it’s the degree of nuttiness, however, that defines how much we’re willing to endure before snapping.

And when it comes to real estate transactions, the nut factor isn’t all that apparent at first glance.

It takes a while to pop up. But by then, there’s generally some sort of contractual agreement in place. So, how do you get out of it? How do you fire your agent? Agents, do you want to know how to fire your client? It can be a two-way street. READ MORE

Via TheBalance

  Now is the time to make the move! Search for Homes for sale in Columbia, South Carolina & Search for Homes for sale in Lexington and Lake Murray, South Carolina

Buying a home is your biggest financial decision; don't mess it up

Homebuyers almost always make mistakes. Perhaps they pay too much, choose the wrong type of mortgage or neglect to budget for needed home improvements.

Working with a trustworthy, experienced lender can help prevent such mistakes. But consumers also need to take responsibility for their budgets and choices.

"Before buying a home, consumers need to develop a short- and long-term perspective on their purchase," says Michael Harrison, area sales manager for Wells Fargo Home Mortgage.

Here are four financial mistakes of homebuyers. READ MORE

Via MSN/Bankrate

  Now is the time to make the move! Search for Homes for sale in Columbia, South Carolina & Search for Homes for sale in Lexington and Lake Murray, South Carolina

Rules for Working With Real Estate Agents

Real estate agents love working with people, but there are always clients who may unintentionally cross the line. Here are a few simple protocols you can use while shopping for a home that will keep you out of hot water and on good terms with real estate agents.. READ MORE

Via TheBalance

  Now is the time to make the move! Search for Homes for sale in Columbia, South Carolina & Search for Homes for sale in Lexington and Lake Murray, South Carolina

How to Tell If You're Really Ready to Buy a Home

How to Tell If You're Really Ready to Buy a Home

Buying a home is no easy feat. There's a lot of paperwork you need to be on top of to secure the big-ticket purchase. Here's how do determine if you should pull the trigger or wait until your finances are in better shape. READ MORE

Via MSN/Credit.com

  
Now is the time to make the move! 
Search for Homes for sale in Columbia, South Carolina & Search for Homes for sale in Lexington and Lake Murray, South Carolina

5 Predictions for Renters and Home Buyers in 2017

5 Predictions for Renters and Home Buyers in 2017

 If you're making big decisions about housing this year, you'll want to keep these factors in mind.

If you’re a renter, you (and your bank account) probably know this already: Over the past decade, rents have been going up. And up. In many parts of the country, in fact, rents have been increasing at a faster rate than home values. READ MORE

Via Zillow


Now is the time to make the move! Search for Homes for sale in Columbia, South Carolina & Search for Homes for sale in Lexington and Lake Murray, South Carolina

The Myth of 20% Down Payment When Buying Your Home

The Myth of 20% Down Payment When Buying Your Home

Buying a home is out of reach. It will take years for me to save 20% for the down payment! Good thing you do not need 20% for a down payment. Let me repeat that: You can buy a home without having 20% to put down. But I heard on the news that you needed 20%… Many news “reports” are no more based in reality than the prediction given for the 7-day forecast. Before we dive into your options, we should ensure clarity on the terminology: READ MORE

Via The Balance

  
Now is the time to make the move! 
Search for Homes for sale in Columbia, South Carolina & Search for Homes for sale in Lexington and Lake Murray, South Carolina

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JP & Associates Realtors 
Magnolia Group

Julie Smith | 803-476-6450 | Contact Me
Columbia, South Carolina
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