Myths can keep you from securing Home Ownership in Clear Lake and League City, Texas. Overcome the myths and be on your way to your new dream home!

Myths about Mortgages:

Mortgage Myth #1:  I had some debt when I was young and I ruined my credit.  I’ll never get a mortgage.

• You don’t know what your credit history shows until you look.  And if you do have blemished from the past, lenders will show you how to improve your credit and restore good credit practices on your part.

Mortgage Myth #2:  I heard that you need to put 25% down to buy a home.  But my friend says that you can get a mortgage with no down-payment at all!

• Both scenarios are uncommon.  Although there are a variety of financing programs available, most require you to put at least 3.5-10% down, but rarely would you need 25%.

   Myths about Agents

Agent Myth #1: If I have several agents looking for homes on my behalf, I’ll find a house more quickly.

• Like most relationships, this one thrives on communication, loyalty and trust.  By working exclusively with one agent you will improve both the process and the results.

Agent Myth#2:  If I want an agent to represent me as a buyer, I’ll have to pay them myself.

• Buyer representation means that the REALTOR you select works with your best interest in mind.  In most cases, however, they receive a portion of the commission paid by he seller.

Myths about Buying:

Buying Myth #1:  I should find a new home first before I sell the one I now own.

• If you find a buyer for your home first, you’ll have more negotiating power in both the sale of your current home and the purchase of a new one. 

Buying Myth #2:  I just made an offer on a house I love.  But so did several other people.  I’m worried that someone else will out bid me and get it.

• Different sellers are motivated by different things.  In addition to price, a seller will look at the other terms of the offer–contingencies, closing date, required repairs, etc.  Many times a “clean” offer from a pre-approved buyer will be more attractive, even if the price is slightly lower.

The last of 4 letters “W” is twice as critical to first time home buyers.

W= When do you want to move in and Who can you depend on to help you with your Clear Lake and League City,  Texas move?

WHEN do you want to move in and WHO can you depend on to help you are two critical points that bring the K.N.O.W.  full circle for first time home buyers. 

Knowing the date that you would like to move into your Clear Lake and League City home will determine how far in advance you need to actually begin viewing the homes in person.  It will set you game plan into action at just the right time.  Starting too early can cause unnecessary delays and concerns.  Starting too late could actually prohibit the event from taking place to fit within a family plan.

• As a general rule here in the Clear Lake and League City Area from the time that you actually go under contract to buy a particular home it takes approximately thirty days to close if you have followed quality guidance in having all of the proper steps taken care through the K.N.O.W.

• Let’s review: K.N.O.W.

• K: Know you buying power and price point for a home

• N: Narrow the area you are considering living

• O: Organize your home buying wants and needs

• W: When do you want to move and Who to call for your Clear Lake and League City move.

• Visit with Kay Horacefield, REALTOR, to help you take your first K.N.O.W. step to home ownership.  You will be glad you did, just like Ben was.

• Client says: ”Working with the clearly defined steps that Kay suggested, we saved time, money amd made wise decisions.  She hepled us find the house that had our must haves and many of our would likes, plus other features that we never dreamed that we could have in our first home purchase in just the right location.”

• Let’s plan your journey to home ownership in Clear Lake and League City, Texas.  This simple word “K.N.O.W.” hooked with Kay Horacefield will give you the overall view.  You may send me an email or simply call.  Either way you choose, knowing that your speed is my speed, I’m sure this is comforting and relieves your fears knowing that you are in control of your time and amount of assistance you recieve.

K.N.O.W. is Critical for First Time Home Buyers in Clear Lake and League City, Texas

Simple and critical at the same time!  Remembering this one simple word or four letter are instrumental in helping  first time  home buyers in Clear Lake and League City, Texas , save money and make wise decisions in their home buying process.

• We learned in a prior blog post that the letter “K” reminds you to know your buying power and price point. 
• Today, we will be visiting about the second powerful letter, “N”.

N=  Narrow the Clear Lake and League City area in which you are considering living:

Defining the area you want to live in Clear Lake or League City goes beyond just knowing the city you choose.  Narrowing your search to a specific area or neighborhood helps you and your REALTOR clearly focus on your wants, needs, and expectations.  It will not only save you time,  it could also help you not miss out on the perfect home that is was there waiting on you and you missed it  because you  did not get to explore the area enough since you were scattered looking in other areas that were not a fit for you and your family.  There are some important basic points to explore with links to assist you with your decision.

1. Consider your job location
2. School attendance zones
3. Shopping
4. Recreation possibilities
5. Medical center
6. Subdivisions
7. Homeowner Association
8. Churches
9. Metro Transportation
10. Never forget your price point

K.N.O.W. is Critical for First Time Home Buyers in Clear Lake and League City, Texas

• “K”: Know your buying power
• “N”: Narrow your area for searching

Stay tuned and read the next post  about the letter “O” . 

In the mean, if you are ready to start your home buying process, please contact me right away at 281-282-9524  and we will help you accomplish the first two steps of the word,  K.N.O.W.  This will automatically put you in position for the third action which will be: “O”.

http://clearlakeandleaguecityrealty.com/

Bringing you home to ”Celebrate the Moment”! 

Relaxing on Clear Lake

I want to write a blog. What will I blog about? What will I say and how will I say it? Thinking back about what I would tell my student when they were asked to write in their journals, reminds myself to put to use the things I taught them. I can hear my words flowing through the class room and see the students’ faces as my words hit their faces and some how found their way into the ear canals and up to their bright brains.

• “Just put your words on paper. Go ahead and talk on paper.” I would encourage them to write about what they knew.
• I went a little further to remind them that they had experience and those experiences were their experiences so not to worry because there was no way that that could be wrong. 
•  Individualy, they were the experts because they had lived what they were talking about.

With thouse thought to get me rolling,I know what I want to blog about…living in the Clear Lake and League City, Texas area. I can  speak as an expert because I have lived in Clear Lake for the past 13 years. My eyes has seen, my hands have touched, my ears have heard and my mouth has tasted and my nose has smelled the life in and around Clear Lake and League City, Texas. 

Yes, I will write about what I know, living in Clear Lake and helping clients buy and sell real estate in Clear Lake and League City.  My expertise does not stop with just those two cities.  I know the Greater Houston well, because I am a life long resident of this area.  My passion is helping people and bring value to each day.  Therefore, I  hope you will enjoy reading my blogs and become a frequent visitor as I share information about the real estate in and around Clear Lake and League City.  I will be throwing in real life experiences!  Remember I encouraged my students to write about what they knew so, I will be using the techniques I shared with my students.  www.clearlakeandleaguecityrealty.com