Buyers Guide 2019

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Buyer’s Guide

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Comprehensive Real Estate

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BUYER’S GUIDE

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SHANNON DESANTIS

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200 Mills Ave, Greenville, SC 29605
[email protected]

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Discover more about our team

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Shannon DeSantis

Real Estate Agent

[/et_pb_text][et_pb_image src=”https://assets.thesparksite.com/uploads/sites/129/2018/10/The-Boyd-Team-_Logo_CMYK-1-1024×491.png” always_center_on_mobile=”off” module_class=”mb-4″ _builder_version=”3.17.1″][/et_pb_image][/et_pb_column][et_pb_column type=”2_3″ _builder_version=”3.0.47″ parallax=”off” parallax_method=”on” module_class=”gd18_columns”][et_pb_text _builder_version=”3.17.1″ text_font=”||||||||” text_line_height=”2.1em” custom_margin=”0px|||” custom_padding=”0px|||”]We understand that buying or selling a home is more than just a transaction: it’s a life-changing experience. That’s why our team of highly-seasoned real estate professionals is dedicated to providing exceptional, personalized service for all of our clients. We take great pride in the relationships we build and always work relentlessly on the client’s behalf to help them achieve their real estate goals.

Our team of experts represents the best and brightest in the industry, and we’re always striving to lead the field in research, innovation, and consumer education. Today’s buyers and sellers need a trusted resource that can guide them through the complex world of real estate. With our extensive knowledge and commitment to providing only the best and most timely information to our clients, we are your go-to source for real estate industry insight and advice.

Our Mission Statement: Our philosophy is simple: clients come first. We pledge to be in constant communication with our clients, keeping them fully informed throughout the entire buying or selling process. We believe that if you’re not left with an amazing experience, we haven’t done our job. We don’t measure success through achievements or awards, but through the satisfaction of our clients.[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row use_custom_width=”on” custom_width_px=”1023px” custom_padding=”9vh|5%|0px|5%” module_class_1=”gd18_columns” module_class=”gd18_rows” _builder_version=”3.0.105″ background_color=”#f9f9f9″][et_pb_column type=”4_4″ _builder_version=”3.0.47″ parallax=”off” parallax_method=”on” module_class=”gd18_columns”][et_pb_text _builder_version=”3.15″ header_font=”||||||||” header_3_font=”||||||||” header_3_line_height=”1.1em” custom_margin=”0px|0px|10px|0px” custom_padding=”0px|0px|0px|0px”]

Housing Expectations for 2019

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The NAR publishes some great data every year in regards to housing expectations.

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Housing Outlook

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Existing Home Sales:

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to 5.4M

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Median Home Prices:

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up 3.1%

Mortgage Rates:

to 5.17%

GDP Growth:

to 2.4%

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Potential Speed Bumps

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Increasing Inventory Supply

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Slowing Home Appreciation

Rising mortgage
rates

Waning consumer confidence

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* MANY REASONS FOR OPTIMISM

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All indications are that we have a housing shortage. If you look at population growth and job growth, it is clear that we are not producing enough houses. This is often a local issue, not a national one, so NAR has created a website where local associations and Realtors® can go for information on how to advocate for increased supply in their communities.

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7 Things to consider before buying a home

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Buying a home is a big decision to make, and can have an impact on a variety of areas of your life. Here’s our top 7 of our best suggestions to consider before committing to a purchase.

[/et_pb_text][et_pb_blurb title=”Before you buy, strengthen your credits score” image=”https://assets.thesparksite.com/uploads/sites/3/2018/09/beforeyoubuy-7things-img1.png” icon_placement=”left” image_max_width=”65px” content_max_width=”100%” module_class=”gd18-image-list” _builder_version=”3.15″ header_level=”h5″ header_font=”||||||||” header_line_height=”1.1em” body_font=”||||||||” body_text_color=”#707070″ body_font_size=”14px” body_line_height=”2.1em” custom_margin=”||40px|” animation=”off”]

Remember, higher credit scores will have lower down and monthly payments. This can represent tens of thousands of dollars in savings over the course of a mortgage.

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Buy housing that runs about two-and-one-half times your annual salary. Prior to looking at homes, speak with a reputable loan originator who can pre-qualify you.

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Think about your lifestyle, and how it is now. How it might be in 5-10 years? Will the location or property you are interested in still be adequate in that timeframe?

[/et_pb_blurb][et_pb_blurb title=”Don’t buy if you can’t stay put” image=”https://assets.thesparksite.com/uploads/sites/3/2018/09/remain-in-home-7things-img4.png” icon_placement=”left” image_max_width=”65px” content_max_width=”100%” module_class=”gd18-image-list” _builder_version=”3.15″ header_level=”h5″ header_font=”||||||||” header_line_height=”1.1em” body_font=”||||||||” body_text_color=”#707070″ body_line_height=”2.1em” custom_margin=”||40px|” animation=”off”]

If you can’t commit to remaining in one place for at least a few years, then owning is probably not for you, at least not yet.

[/et_pb_blurb][et_pb_blurb title=”Carefully review your offers and counter offers” image=”https://assets.thesparksite.com/uploads/sites/3/2018/09/review-contracts-7things-img5.png” icon_placement=”left” image_max_width=”65px” content_max_width=”100%” module_class=”gd18-image-list” _builder_version=”3.15″ header_level=”h5″ header_font=”||||||||” header_line_height=”1.1em” body_font=”||||||||” body_text_color=”#707070″ body_line_height=”2.1em” custom_margin=”||40px|” animation=”off”]

Make sure you understand all facets of the offer to purchase, and any counter offers you may receive from a seller. Speak with your buyers agent about any questions you have.

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A home inspector will provide you a detailed report of the property condition and outline repair recommendations. Get this ordered early so you have time to carefully review the condition of the home prior to removing contingencies.

[/et_pb_blurb][et_pb_blurb title=”Make sure you love your buyers agent” image=”https://assets.thesparksite.com/uploads/sites/3/2018/09/love-your-agent-7things-img7.png” icon_placement=”left” image_max_width=”65px” content_max_width=”100%” module_class=”gd18-image-list” _builder_version=”3.15″ header_level=”h5″ header_font=”||||||||” header_line_height=”1.1em” body_font=”||||||||” body_text_color=”#707070″ body_line_height=”2.1em” animation=”off”]

A great buyers agent can take the stress out of a home purchase. The goal is to ensure you find the perfect property, get the best possible deal, and enjoy a worry free experience for the entirety of your purchase transaction.

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Purchasing a property VS Renting

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Which fits your style? Here’s a breakdown of some of the differences that effect whether it’s the right time for you to buy a home. Take a look at some of the categories, and ask yourself which side you fall under.

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Reasons to rent:

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I will be in my home for less than 3-5 years.

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I want to stay mobile or flexible.

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I don’t have time for home maintenance.

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My credit score is below 720.

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I don’t have enough money for a downpayment and closing fees.

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Reasons to buy:

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I will be in my home for more than 3-5 years.

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I want to start building home equity.

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I have time and energy for home maintenance.

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I have little/no debt, and good credit.

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I do have money saved for a home purchase and repairs.

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8 Steps to buying a home

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Purchasing a home can be quite easy. If this is your first time you will find that there are only a handful of key decisions to make in order to hold the keys to your own home.

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01

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02

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Select a professional and trusted buyer’s agent.

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03

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Work with your lender to decide the right loan type.

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04

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Shop for the perfect properties to write an offer on.

05

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Get an accepted offer on a property.

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06

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Complete all inspections, disclosures & terms.

07

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Work with your lender to complete the loan funding process.

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08

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Close escrow with the seller on your new home and ENJOY!

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What you don’t know about credit

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You‘ll need a credit report to make sure your score and reporting are accurate. Work directly with a lender on your credit score. They can help provide recommendations, work with scoring agencies, and improve your score when you obtain your loan.

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General Guidelines when it comes to a loan

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Higher credit scores have lower borrowing costs.

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Focus on your credit score long before your loan.

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Credit score differences add up to thousands of dollars.

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Pay close attention to your debt to income ratio.

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How your credit score effects you

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row use_custom_width=”on” custom_width_px=”1023px” custom_padding=”2vh|5%|0px|5%” custom_margin=”|||” module_class_1=”gd18_columns” module_class_2=”gd18_columns” module_class_3=”gd18_columns” module_class=”gd18_rows” _builder_version=”3.0.105″ background_color=”#f9f9f9″][et_pb_column type=”1_4″ _builder_version=”3.0.47″ parallax=”off” parallax_method=”on” module_class=”gd18_columns”][et_pb_circle_counter title=”SLEEP ON THE COUCH” number=”599″ percent_sign=”off” bar_bg_color=”#606060″ module_class=”guide-percent-circles” _builder_version=”3.15″ title_level=”h6″ title_font=”||||||||” title_text_align=”center” title_line_height=”1.1em” number_font=”||||||||” number_font_size=”24px” max_width=”60%” max_width_tablet=”115px” max_width_phone=”135px” max_width_last_edited=”on|phone” module_alignment=”center” custom_margin=”||0px|” custom_padding=”|||”][/et_pb_circle_counter][et_pb_text _builder_version=”3.0.105″ text_font=”||||||||” text_font_size=”14px” text_line_height=”2.1em” text_orientation=”center” custom_margin=”||3vh|” custom_padding=”|||”]Few quality loan programs exist. Work to improve your score.[/et_pb_text][/et_pb_column][et_pb_column type=”1_4″ _builder_version=”3.0.47″ parallax=”off” parallax_method=”on” module_class=”gd18_columns”][et_pb_circle_counter title=”BUYER BEWARE” number=”620″ percent_sign=”off” bar_bg_color=”#606060″ module_class=”guide-percent-circles” _builder_version=”3.15″ title_level=”h6″ title_font=”||||||||” title_text_align=”center” title_line_height=”1.1em” number_font=”||||||||” number_font_size=”24px” max_width=”60%” max_width_tablet=”115px” max_width_phone=”135px” max_width_last_edited=”on|phone” module_alignment=”center” custom_margin=”||0px|” custom_padding=”|||”][/et_pb_circle_counter][et_pb_text _builder_version=”3.0.105″ text_font=”||||||||” text_font_size=”14px” text_line_height=”2.1em” header_font=”||||||||” header_text_align=”center” text_orientation=”center” custom_margin=”||3vh|” custom_padding=”|||”]Subprime Mortgages are available, but carry high fees.
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Mimium score for a loan with good terms with low fees.

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Best loan programs and lowest borrowing costs on the market.

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Other useful information

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Points and Rate on a mortgage:

Borrowing money costs money. Loans require interest, which can be paid over time, or up front as additional points. Paying the interest ahead of time results in a lower overall monthly payment. This requires up front cash and is not a payment towards principal. Paying additional points is only recommended for purchases where ownership is long term.

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You don’t need a 20% down payment:

Traditional loans requiring 20% down are no longer your only options. Plenty of public and private lenders off er a variety of loan programs that can provide you a great loan with as little as 3% down. First-time homebuyers have additional state and federal programs available.

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Why you need a buyers agent

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Purchasing a home actually involves a lot of legal contractual knowledge, organization and negotiating skill. Don’t jump into any deal without consulting an expert buyers agent who can get you the best possible results.

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row use_custom_width=”on” custom_width_px=”1023px” custom_padding=”3vh|5%|0px|5%” make_equal=”on” module_class_1=”gd18_columns” module_class_2=”gd18_columns” module_class=”gd18_blurb-images gd18_rows” _builder_version=”3.0.105″ background_color=”#ffffff”][et_pb_column type=”1_2″ _builder_version=”3.0.47″ parallax=”off” parallax_method=”on” module_class=”gd18_columns”][et_pb_blurb title=”An experienced advocate” image=”https://assets.thesparksite.com/uploads/sites/3/2018/09/advocate-img24.png” icon_placement=”left” image_max_width=”80px” content_max_width=”100%” module_class=”gd18-oversized gd18-boxed-margins” _builder_version=”3.15″ header_level=”h5″ header_font=”||||||||” body_font=”||||||||” body_font_size=”14px” body_line_height=”2.1em” custom_padding=”40px|0px|0px|0px” animation=”off”]

A right agent can help with your purchase as well as recommend other trusted professionals.

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A local Realtor® will help you navigate the requirements of a written offer, as well as the complexities of closing of escrow.

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Home upgrades, repairs, and resale questions can be investigated anytime.

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Your agent understands factors that impact you, and can provide advice on when, and how to purchase.

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You can still continue to communicate with your agent long after the close of escrow.

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An expert in your desired neighborhoods will provide important details you may not know.

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What not to do when buying a home

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It is incredibly easy to mismanage funds or your alter credit and doing so during the loan and escrow period can greatly impact your both your borrowing costs and can even keep you from funding the loan in some cases.

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Don‘t apply for any unsecured debt if possible during the loan and escrow period.

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Nothing is set in stone until close of escrow. Do not make plans that cannot be cancelled if the deal fails to close.

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This will alter your debt to income ratio. Changes to your credit score of even a few points can mean thousands in fees.

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Lenders are looking to see that you can show proof of job security. That new opportunity may need to wait.

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A significant portion of your score is how much available credit you have. Always leave open credit available to you.

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Make sure you stay on top of your credit card, car and any other monthly payments.

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You will need to provide your lender documentation of your finances. This will include things like savings accounts, or investments.

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Your lender will want to see that you have something set aside for a rainy day. Do not spend capital you have set aside for loan approval prior to loan funding.

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The home inspection

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For a new resale home purchases, aprofessional home inspection is recommended. The inspection will include but ay not be limited to the items outlined below.

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Appliances

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Plumbing

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Electrical

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Climate

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Ventilation

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Roof and Attic

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Foundation

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Building Codes

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Don‘t expect the report to catch every minor defect. The inspector is looking for serious problems that require repair, or will lead to serious problems if a repair is not completed in a reasonable time-frame.

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A home inspection is just a report of the repairs recommended for the property. It is not a pass or fail test. However, some lenders do require certain repairs be completed in order to fund the loan.

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A completed report can have an effect on the purchase price, your interest in the property, and which repairs need to be addressed prior to close of escrow. The seller may be willing to negotiate terms, and your lender may or may not require some repairs be completed in order to fund your loan.

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Home inspections can vary by company, as well as by inspectors individually. Always use a trusted recommendation for a professional that will give you the information you need.

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The day of the inspection, be present with your buyers agent and the inspector. This will help you understand the items that appear on the report, and will give you an opportunity to see the home through the eyes of an objective third party expert.

Contract to close

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Once your offer is accepted, the buyers agent will help coordinate with everyone needed to make sure purchase requirements and all quoted time frames are met.

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This is a deposit that shows you are serious about the purchase. It is held in the escrow account, and is non-refundable after contingencies are waived.

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The inspection period will be specified in your accepted offer. During this time all property inspections, disclosures from the seller, and repair negotiations must take place.

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Approval for your loan will require an appraisal. Your lender will send a neutral third party to prepare a determination of it’s current market value.

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Homeowners insurance is often required to obtain your loan. you may already do business with an insurance broker, or you may elect to use one recommended to you.

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A home warranty id recommended for all at least the first 2 years of home ownership. The first year can often be negotiated to be paid by the seller during the escrow period.

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Title Insurance protects you the lender from the possibility that the title is not free and clear. It is typically a requirement for the loan.

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Just before close of escrow, a final walk-through of the home will be conducted by you and the agent. This is a check to ensure the condition of the property has not changed.

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You will want to double check the settlement statement carefully for the various items you’ll need to pay for at closing. Have a check ready for the amount required.

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Closing day is usually straightforward. You will typically need to bring blank checks, your drivers license, and meet at the title company. Your homeownership awaits!

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After the closing

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Despite closing escrow marking the end of the property purchase process, it also marks the beginning of an ongoing relationship. Keeping in touch with the agent allows you to continue to use this value able resource of information whenever you need.

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An ongoing relationship with my clients

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A fantastic agent focuses on a continuing relationship that offers you convenience, opportunity and value. You can always rely on your agent after the closing to help you answer questions about home ownership, provide resources, offer advice, and provide tools to ensure your home ownership experience is a positive one.

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Your referrals are key!

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Maintaining an ongoing client relationship is just part of an overall commitment to provide a level of service well above and beyond expectations. Your agent relies on word of mouth referrals for additional business, and good referrals allow the agent to devote more time to helping clients and less time to finding them. If your experience is amazing, be sure to tell your friends!

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Ask a question

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If you have a question, we would love to help answer it. We love working with buyers and helping them purchase their dream homes. If you’re looking to conduct your home search soon and find a new residence, please get in touch via the form below.

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