Faqs

Experts Concepts Real Estate

Devrais-je parler avec une banque avant de regarder dans les maisons?

YES! There are a host of reasons why you should talk to a bank and get pre-approved before looking at homes. First and foremost, talking to a bank before looking at homes, because it can help you understand exactly what you can afford. There is no reason to look at homes listed for $ 250,000 if you can only afford to buy $ 200,000.

Devrais-je acheter ou continuer à louer?

L’achat d’une maison peut être un investissement très solide. Cela étant dit, la location peut également être une meilleure option pour certains, en fonction des circonstances. Les taux d’intérêt actuels sont incroyables. Une hypothèque FHA de 30 ans peut être bloquée à un taux d’environ 3,5%. Étant donné que les taux d’intérêt sont si bas, il peut être moins coûteux de payer une hypothèque maintenant que de payer un loyer.

Je suis propriétaire d'une maison. Devrais-je en acheter une autre avant de vendre ma maison actuelle?

The biggest advantage of buying a home before selling your current home is the fact that you have a suitable property lined up. This can reduce the stress and pressure of having to find a home once your current home is sold. However, if you cannot buy a new house without having to sell your current house, your offer to purchase will be subject to the sale and transfer of title to your current house. If your current home doesn’t sell on time, you risk being knocked on by an out-of-quota buyer and losing the house you’re looking to buy, which can be devastating.

Ai-je vraiment besoin d'un agent immobilier lors de l'achat d'une maison?

When buying a house, it is highly recommended to hire a real estate agent. There are many reasons why you should have a real estate agent, who represents your best interest when buying a home. Keep in mind, not all realtors are the same! When choosing a buyers agent, make sure you know how to properly interview potential real estate agents when buying a home.

Qu'est-ce qu'une vente à découvert?

Before embarking on a short sale, it is important that you understand exactly what it is and what to expect from a short sale. The simplest way to understand a short sale is the sale of a home in which the proceeds of the sale are less than the balance of debts secured by liens on the property and the owner of the home cannot afford to pay the liens in full.

Before buying a short sale, you need to consider factors such as the time it takes for a short sale response. The fact that a foreclosure is always possible, and that many short selling properties are routed. Short sales are not impossible to buy, but you need to be patient and not be in an immediate rush to move.

Qu'est-ce qu'une forclusion?

Croyez-le ou non, les saisies peuvent en réalité être une transaction plus fluide qu’une vente à découvert. Une forclusion, parfois appelée REO, est une propriété qui appartient à un prêteur. Si vous envisagez l’achat d’une forclusion, il est important de comprendre que la plupart sont vendues «en l’état». Les forclusions, si elles ne sont pas achetées par un propriétaire occupant, sont souvent achetées par des investisseurs, réparées, retournées et vendues. à un propriétaire occupant.

Comment sont les écoles?

This is another issue that real estate agents should address very lightly. There is no doubt that schools have an impact on property values. Much like advice on choosing a neighborhood. A leading real estate agent should be able to provide you with names or websites, where you can find information about local schools, so you can determine if the schools are acceptable to you. or not.

Quelles sont les factures de services publics moyennes?

When buying a home, it is important to know what additional costs will be added to the monthly mortgage payment. Utility bills are just one of the additional costs to consider when buying a home. Utility bills can be obtained from the home owner and, in some cases, the local utility company; which can provide averages for the past 12 months. Remember that everyone prefers that the temperature of their house be different, so the average bill could be different if you were to buy the house.

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