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Set a Budget and Stay with It.
It's important to set your own budget based on what you can
afford. Many people set their budget based on what their financial
institution approves them for.
Home Inspections
Always protect yourself by securing an expert home inspection
before purchasing a house. An expert will find things that
the average home buyer may overlook. This can save you thousands
and alot of stress.
Get Pre-Qualified
Have a professional lender review your finances, credit, debt
and income. This will help you identify your budget as well
as look more attractive to sellers looking to avoid a hassle.
Explore Grant Opportunities
There are many grant and financing opportunties available
based on location, income, past history and other factors.
Aspect specializes in helping home buyers identify and secure
funding.
Find the right real estate
agent buying a home can be complicated. make
sure your interests are protected and your agent is experienced
and loyal to you.
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 Aspect
Real Estate and Consulting Inc, we take pride in the
fact that our clients will benefit from our substantial
experience in real estate. We take the time to inform
our clients of all of their options, and together we
reach a solution that best fits their situation. Most
people are not aware of their options when purchasing
a home. We educate our clients on all of the current
real estate proceedings, and we answer any questions
they have about the process. Here are some essential
elements to consider to give yourself the advantage:
-Understand that
the Agent listed on the sign on the property works in
the seller's best interest.
- Hire your own Buyer's
Agent and make sure they are a REALTOR
with the Greater Syracuse Board of Realtors. That means
they have a strict Code of Ethics they to adhere to.
-Go to www.myfreecreditreport.com
to see what your credit score is.
-Research
the Real Estate section of the Sunday newspaper to see
which banks offer the best interest rate without points.
Also check the origination fee to make sure it is reasonable.
Call three and discuss financing. If you call more than
that and they run your credit report, they lower your
score.
-Deal with only local
banks. Banks on the internet usually
end up taking your money and not following through with
financing. This is very financially and emotionally
devastating.
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| Short
Sales Short sales are properties where the seller
owes more than the property is worth. Maybe they fell
behind on their first mortgage payments due to something
dramatic in their life like health issues or financial
trouble. Maybe they took out a home equity loan/line of
credit and now with late fees and interest rate adjustments
just can not make the payments. This is very sensitive
information and must be treated confidentially. To receive
more information, please call Susan Martino @ 315-218-6443
or email me at SusanMartino@AspectRealEstate.com
for more information.
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HUD Homes are
homes that are posted every Friday usually by 10:00 am. They
are open for bid through licensed real estate professionals
only. The first 5 days are usually for owner-occupieds only.
On the 6th day, they open to investors. There are other types
of foreclosures as well. Please contact my company to get
an updated list by area @ 315-218-6443 or
email SusanMartino@AspectRealEstate.com
Auction Homes
are also available. They need to be updated often as well,
so please contact Susan Martino @ 315-218-6443
or email SusanMartino@AspectRealEstate.com
for up to date information.
New Home Construction
is possible with Aspect Real Estate & Consulting. Let
us help you find land for your home. Aspect is here to consult
with you and help you find a builder to build your dream home.
Please contact Susan Martino @ 315-952-1356
or email
SusanMartino@AspectRealEstate.com
Aspect Real Estate & Consulting,
Inc. proudly works with many home builders
in the area to deliver the finest custom home for you.
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At
Aspect we focus on the variety of needs of
our buyers and/or investors. Whether it is residential
or commercial real estate, new construction, foreclosures
and HUD homes, we research and guide them through the
many special grants and programs that are available
through local companies.