Housing Resource
Posts Tagged ‘Home buyer education’

Who doesn’t love life hacks?? These are some great tricks from Boggs Inspection Services for around the house!

 

 

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Are you in the process of shopping for a VA loan?
Working with a real, live person can make all the difference in the world.
We work very closely with Mike Villano over at Veterans Lending Group.
Here is your chance to learn a little bit about him and his team…

Meet the Villano Team and Veterans Lending Group,

Hello and thank you for considering our company for your upcoming home financing.  We are a company that was created to serve the soldiers and airmen of Joint Base Lewis McChord.  The success of our program is structured around our country’s Veterans and all of the complexities your family will face when PCS’ing, transitioning out of the military or just looking to use your VA benefit to purchase your next home.  With our company’s motto “Don’t talk about it, be about it” we “Be about it” by offering straight forward communication, honest advice and an extremely competitive VA Loan package which includes low fees, low rates, no origination costs and 30 day standard closings!

We offer you the extension of our reputation for rock solid pre-approvals and trouble free transactions.  When we begin this journey we will ask to see all of your documentation right up front.  We will complete a full credit review as well as a full document review prior to issuing any pre-approval.  Upon completion we will get with you to discuss anything we may need to address prior to you writing an offer, or to simply inform you of your approval amount and issue your pre-approval.  There is nothing worse than finding the home of your dreams just to have it slip away at the last minute due to a weak and incomplete pre-approval process.  I see a lot of clients come through my office with this problem after dealing with the other large national companies, it is never a good feeling.

**We offer a lender credit to the clients of Phil Sharp Homes, who is a preferred agent.  We do this to help keep the VA loan program a zero down program and to make sure you keep your cash on hand to help with your upcoming move.  In addition, I always structure your  financing so my clients receive their earnest money deposit back at closing, unless we discuss otherwise upfront.

There are some clients who will not be able to use their VA benefit, or require other loan products to free up their VA entitlement, so for those instances we do offer Conventional, FHA, USDA and State Bond Programs.  In addition, we offer an excellent one time close construction loan program and the ability to broker loans for specialty financing like manufactured housing.  We are a full service lender.

We teach VA educational classes to our service members several times per month, all around the state.  We teach VA specific clock hour classes to real estate agents looking to better serve our military clientele.   We have an employee funded nonprofit benefiting our Veteran community and we sit on the board of AUSA where we are able to donate our free time to other Veteran based nonprofits.

If you are looking for a solid lending experience with a team of industry leading professionals who really care how you are handled, we welcome you to Veterans Lending Group!  We look forward to working with ymike_villanoou and your family.

Thank you,

Mike Villano

 

 

ID-100206787Your relocating to the Ft. Lewis Washington area and you’ve made the decision to buy a home, congratulations! After making an offer on the home that you want to purchase, the next step is a home inspection. Phil, at PhilSharpHomes.com, will walk you through this process step by step, but here is a little insight…

You don’t want to get stuck having to pay for any unexpected repairs on your new home, right? The way to avoid that is to make your offer contingent on a home inspection. This is definitely worth the $500 or so dollars you are going to spend, trust me!

A good home inspection will give you all of the information on your home that is important to know before your decision on buying the home is final. Yes, you walk through the home, maybe even a few times, and think that everything looks great. That’s not always the case…there are many problems that you can’t see, even if you may think you know what you are looking for.

When hiring a home inspector you can do your own research on inspectors in the JBLM area, or you can use the one recommended by your Realtor (which is what I did). The home inspector will give you a full evaluation on the condition of the home you want to buy, including but not limited to…heating, air conditioning, plumbing, electrical, floors, attic, roof & chimney, foundation, mold, water damage, hidden moisture, pest issues and overall structure.

You should be present during your home inspection, that way you can walk through the house with the inspector and ask any questions that you may have, they also give some pretty good advice too.

Once the inspection is complete, you will get a detailed summary that you will go over with your Realtor and you will decided what you think is fair to ask for in repairs. If there are too many problems to fix, or they are too expensive you can choose to walk away since you made your offer contingent on the inspection. When in it comes to fixing the problems, count on your Realtor to help you decide what the best option is. You could ask the seller to make repairs, you can ask to reduce the purchase price or you can ask for credit at closing to fix the problems yourself.

Yes, a home inspection is going to cost you a little bit of money, but it could end up saving you thousands! Don’t skip out on this important step in the home buying process!