Should I talk with a bank before looking at homes?

The answer to this question is YES!  There are many reasons why you should talk with a bank and get pre-approved before looking at homes.

First and foremost, talking with a bank before looking at homes can help you understand exactly how much you can afford. There is no reason to look at homes that are listed for $250,000 if you can only afford up to $200,000.

If you’re a first-time home buyer, talking with a bank before looking at homes is strongly suggested, as there are many first-time home buyer programs available. These programs can vary from state to state and county to county, so knowing exactly what’s available to you is critical.

Another important reason to talk with a bank before looking at homes is to understand exactly what costs are associated with buying a home. Many home buyers don’t understand the difference between a down payment, pre-paid items, and escrows, which can be thoroughly explained by a mortgage professional.

We have many reputable mortgage companies we work with that can assist you through this process. For more information on what lenders look for in order for you to qualify for a mortgage consider reading this blog here.

A member of the Irish Realty team is always ready to assist in any capacity you may need. Contact us today to get started! Call us at 574.360.2569 or email us at steve.smith@stevesmithteam.com

Five Corner Flats

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*A $10.00 non-refundable Bank Fee applies to this transaction.

Five Corners Flats

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