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A personalized home buying experience is the key to getting a mortgage you won't regret. While it is helpful to take advantage of digital resources during this time, it's also beneficial to combine those efforts with experts who can guide you every step of the way.
Here are the top 3 tips to getting a personalized home buying experience in a digital world:
TIP 1: CONNECT WITH A REAL ESTATE AGENT
Making a one-on-one connection with a real estate agent can be the difference-maker when you are looking to buy a home. There’s simply no benefit in having no support. We believe when you’re able to have real conversations with an actual human, it truly makes the house-hunting process easier and less overwhelming.
Oftentimes, Realtors® know about homes before they become available on the market which means you will too! This gives you an advantage when looking for a new home.
There can be a lot that goes into buying or selling a home. Agents truly know the ins and outs of what it takes to buy and sell which is an invaluable asset, especially with a fluctuating housing market. A Realtor® can also help with pricing advice and negotiation assistance; understanding contracts and contingencies; and providing market knowledge. They are usually connected with other housing professionals to help you with a home inspection, repairs, attorneys, and insurance companies.
TIP 2: SEEK ADVICE FROM A HOME LOAN SPECIALIST
Nothing can replace the expertise and guidance of a Home Loan Specialist. Personalized service goes way beyond finding a mortgage that works for you. Ideally, you want to work with a Home Loan Specialist who can not only can meet your mortgage needs, but also someone who is comfortable working with you remotely (via FaceTime, a Zoom or Skype call, or just over the phone).
It is important to have a trusted advisor who is looking out for your best interest. Be sure to speak to a Home Loan Specialist early in the home-buying process so you know how much house you can afford and what your options are when buying a home.
You can also walk through various scenarios with your Home Loan Specialist such as:
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If you’re currently renting, you can compare what it costs to rent versus buy.
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If you’re in the market to buy a home, you can compare several properties and interest rates.
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If you’re already a homeowner, you can look at your best refinancing options.
TIP 3: THINK LONG TERM & GET A SMARTER MORTGAGE
Yes, we want you to think about what your financial goals are today, but to also take time to look at your long-term goals as well. Do you want to pay off your mortgage? Are you planning on starting a business soon? Are you saving for a child's college tuition and retirement? All of these goals come into play when buying a home. It's important to work with a company who understands both types of goals and how to get you on a smarter mortgage to help you succeed.
Mortgages are not one-size-fits-all. That's where getting a smarter mortgage is essential. A smarter mortgage is designed to help you focus on your unique wants and needs (both short- and long-term) while providing ongoing educational resources and guides, market updates, and helping you keep more money in your pocket. We all need help with that, especially in times like now. It's personalization at it's best!
A "one and done" mortgage is not our style at Churchill Mortgage. We want you to know that you can call and ask us questions, even after you close your loan. We like to share as much insight as possible so you feel comfortable and confident that you are getting the best value for your money.
We continue our work after your home loan has closed. We'll be in touch for annual mortgage reviews, and set you up on our Rate Watch program in case a refinance is in your future. We will also send you ongoing news and information that will be helpful to keeping your mortgage in tune with your unique needs.
