Here is an illustration of what you might go through as a homebuyer when the real estate agent calls to say that your offer has just been accepted.
Although you are ecstatic when your agent congratulates you, your initial euphoria may be short-lived if you begin to have second thoughts about the purchase. You may look at the amount of cash required for the down payment and closing costs, and feel that you won't be able to enjoy a restaurant meal or a shopping spree for months! The mortgage added to the interest payments over thirty years seems like an outrageously high sum. Finally, you stare at the inspector's report and convince yourself that the roof will blow off and every major system will fail the day after you move in. You're in a frenzy. You ask yourself, "What am I doing?"
If you begin having doubts about your home purchase, the wisest approach is simply to relax! These feelings are so common that they have been given a name--"Buyer's Remorse." "Buyer's Remorse" is almost always a temporary malady, so please call your real estate agent if you are having an extreme attack. Your agent has experience in helping clients through the home-buying jitters.
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Real Estate Tips
Financing Your Home >If You Are Self Employed
There's no question that it could be more difficult for you to get a mortgage loan if you are a free lance viola player than if you are a government accountant. Traditionally, lenders have been more cautious when evaluating loan applications of buyers who are self-employed than people who work for a regular salary.
However, if you are self-employed, there is no reason for you to shy away from applying for a home mortgage loan, especially if your earnings have been in the same field for at least two years. It is a good idea to meet with one or more loan officers before you begin your search. They will probably want to analyze your tax returns for the past 2 or 3 years, keeping in mind that many self employed people can look impoverished on paper, since you can write off some expenses that salaried individuals can not. Try to get pre-approval from the lender, and ask for a letter stating that you have pre-qualified for a loan which your real estate agent can attach to any offer you submit on a home. This will make you more attractive to the sellers.
Nelly Andrushenko Power Realty Inc. 148-29 Cross Island Parkway Whitestone, NY, 11357. 718-747-0411 917-406-4922 Fax: 718-747-0504 Email: email@example.com
Nelly Andrushenko started her career in Real Estate in 1989. After being affiliated with a number of prominent local Real Estate companies for many years, (Re/Max, Century 21, First Choice), Nelly in 2002 founded her own Real Estate company: Power Realty Inc, a boutique office located in the heart of Whitestone. She is constantly in search of knowledge and ways to perfect her customer service. Nelly's enthusiasm and dedication to helping people has brought her success and recognition as a Top Realtor in Northern Queens for over a decade. If you’ve been thinking of buying or selling a home in the near future, then call Nelly (718) 747-0411 or email her at firstname.lastname@example.org and see what she can do for you.
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