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Pam Robinson Real Estate Variety Show Episode 2 – Interview with Pam Robinson

Dillon: Hey everybody, Dillon Robinson with Pam Robinson Real Estate. And today we’re doing our first taping of the Pam Robinson Real Estate Variety Show. And today we’re going to be taking a look at our fearless leader, Pam Robinson. She’s the woman that I learned everything that I know about real estate from. And hopefully we’ll give you a little bit of insight into her life and how she got started. Don’t be afraid to post questions or give us a call. She would love to take it and be able to help you in any of your real estate needs.

Dillon: We’ll be right back after this commercial break.

Well, howdy partner? This is Dillon Robinson. The scootinest land Slinger on this side of the Mississippi. I’m here to tell you about the slew of homesteads…. I can’t do this Gavin, regardless, what I’m trying to tell you is we’ve got a lot of different land parcels out there that could be perfect for you. Any piece of land that we need to get over, on, or through, we can do it. We’ve got two side-by-sides, Jeeps, trucks, anything that we need to make sure that you get to see every piece of property that you want.

We’ve got tons of land listings. We’re here to help you buy and sell land at any point in time, give us a call at 405-382-7653 or head over to our website, pamrobinsonrealestate.com to find your next property. And as always, stay tuned on all of our social media, give us a like, share, and follow. So you’re always up to date with the most important information that we can give you. We’ll be talking to you soon.

Dillon: We’re back with Pam. And if you don’t know, Pam is my mother, we’ve been doing this together for…?

Pam: Since he was six years old, actually, he would get in the back of the car and nobody would know he was with me and we’d go show houses. So he’s been doing it most of his life.

Dillon: Oh, it’s always been a fun process. It’s been something that I just kind of always knew I’d probably wind up being a realtor and it’s been one of the best decisions I could’ve made. I’ve learned everything that I could from my mom. She’s been great help and a great success in this community and helped out hundreds and hundreds of families find the right properties that they needed over the years.

Pam: I’ve been awfully hard on him. He sure didn’t get it handed to him. He has worked his Fanny off for every bit of real estate knowledge and real estate experience that he has. He’s a hard worker and knows the real estate world.

Dillon: This has been kind of fun because mom is slowly but surely learning that social media is a very good tool to use in the real estate world. And we’re getting there. So today she is learning to be on camera as well and getting a little bit of this taste to see what it looks like from the production side and making sure that we’re always getting you the best content available. Now, mom, when did you actually start your real estate career?

Pam: 1994. I started with one of the best realtors in the community, probably the state, Dewey Right, was my mentor and my teacher and he is now passed away. But I learned all I could learn in those three years with him and I appreciate him and his family so much for taking me on and helping me take the steps that I needed to take to be where I am today.

Dillon: And we started Pam Robinson real estate in 1997, right over on Harvey road?

Pam: Didn’t have a listing, didn’t have anything to sell. I had one room in an oil field office. And thank you Rick for helping me when I was gone, he would tell customers where I was, he’d helped me answer the phone. He had the coffee made every morning and it was a wonderful way to slowly get into the business and learn each deal as it came. And it was a great way to be successful in a little town, by taking it one step at a time.

Dillon: And it’s been a big-time process because from 1997 to now, there’s no telling how many times the contracts have changed. Laws have changed, the way that we real estate marketing and everything that we do is just constantly changing. So I want to say thank you for allowing us the opportunity to get into the social media aspect of it more, more so than we have in the past. Best thing that I can say is there’s not a better place to work, and I might be a little biased because she is my mother.

But we’re out here and we work hard for you every single day. Our cell phones are always on and we’re always ready to take your business. We hope that we’ll be talking to you soon. Mom, you got any sign off?

Pam: My camera man, Gavin, he is supposed to make me look younger, thinner, and my teeth whiter. And if he can do that, Gavin, you got a raise.

Dillon: We appreciate everybody tuning in and we’ll be talking to you real soon. Don’t forget to go to our website, pamrobinsonrealestate.com for all of our listings. Give us a call at 405-382-7653. And don’t forget to like and share all of our content across our social media platforms, YouTube, Instagram, and Facebook. We’ll be talking to you soon.

Pam Robinson Real Estate Variety Show Episode 2 – Interview with Pam Robinson2020-08-08T17:23:23+00:00

Pam Robinson Real Estate Variety Show Episode 1 – Interview with Dan Perreira

Dillon: Hey everybody. This is Dillon Robinson with Pam Robinson Real Estate. Back with another episode of the Pam Robinson Real Estate Variety Show. Today, we are here with Dan Perreira from Union Home Mortgage. He’s going to give us a little bit of the insight that we need as realtors, as well as buyers for what rates are looking like, some of his loan programs and really what the state lending situation is looking like. So, stay tuned. We’re going to give you some great information. We look forward to hearing what Dan has to say. All right, everybody, we’re back. And again, we are here with Dan Perreira. Dan. I appreciate you being here. My man.

Dan: Thank you.

Dillon: Looking forward to some good information that we’re going to be able to hand out to our buyers and sellers here. Now, Dan, I’m sure you get the same call just as much as I do, but everybody’s wondering right now, how are interest rates?

Dan: Tell you right now, Dillon rates are great for good customers. They’re actually at some of the all-time lows. There’s a bigger differential in rates due to liquidity and liquidity is cash in, cash out. So basically, in our industry, you get payments, payments come in, money’s split up-principal interest, taxes, insurance, and then it’s put together in securities and then it’s lent out. And because of the lack of liquidity, the people with lower end credit scores are having a hard to getting a loan, but the excellent customers are getting incredible deals. This is a great time to buy a house right now.

Dillon: Absolutely. So, in saying that, we can Segway into our next question here. Let’s have a little bit of a discussion about what a credit score is. I know a lot of people; you hear about it, “You can get your free checks online or whatever it may be. Let’s help people understand a little bit more, what a credit score actually means to them?

Dan: The credit score opens the doors, whether you can get qualified or not, but I tell people a couple of things on credit, first and foremost, online credit bureaus are like a Kia, a Mortgage Credit Bureau is like a 7 series BMW. There is no comparison. And I get that. You laugh, but I get that all the time.

Dillon: I get it.

Dan: People are like, well, my online credit score is 780 and my mortgage is 500. Why is that? Well, we’re comparing a Kia to a 7 series BMW. Prior to this COVID-19, we actually did not have credit scores i. e minimum credit scores. We do now, we had 640. We dropped them to 620 and then once again, it all goes back to the liquidity issue. All the major lenders, bank, all the major banks are at 700. So you know, credit score gets you into the market. It opens the doors. So you got to have that score.

Dillon: Okay. And we were talking there, I know there’s different types of loan programs and obviously the higher your credit score, the better your rate, the better opportunity and the better package you’re going to have for our state. And we were just talking about it earlier, like us in Mississippi.

Dan: Yeah. Us and Mississippi are ranked number one and two in the lowest credit scores. But you know what? We’ve been there for years.

Dillon: Right.

Dan: So I tell people, don’t worry about it. We have programs to improve your credit scores. We work with some low credit scores. There are simple things that you can do to raise your credit scores. And there’s stupid things that you shouldn’t do that I see people do all the time that lowers there credit scores.

Dillon: And that is something that I absolutely want to talk to the buyers out there about, talk to your lender before you start what paying off things?

Dan: Do not pay off. The biggest stupidest thing I see people do is they pay off their collections and they think, well, my collections are a zero. I tell my clients, unless an underwriter tells you to do it, don’t pay it off. Do not pay off a collection. Unless the lender that you’re paying off will remove it. Because by paying your collection, you’re raising your DLA, which is your date of last activity. And now all of a sudden, this old collection is new. Guess what just happened to your credit score? Your new credit score just got lower, even though you paid the collection off.

Dillon: Right. So, there’s tons of different misconceptions. I would always highly recommend that you talk to a professional in the industry to help get you maybe to that point, to you get a better rate or there’s a different loan package. And speaking of that, what kind of loan packages do you see that are… or let’s do this. What’s one of your favorite loan packages right now that you’re putting out there?

Dan: The number one loan, I always ask every customer. Are you a veteran? Did you serve our country? Or do you qualify for VA? There is not a better loan out there. Number two is 85% of the state qualifies as for a USDA rural development. That is my number two. My number three is a loan called home possible. It’s a 97% conventional. And if your income is within the median income range in Oklahoma, you can get grant money. That’s money you get, you don’t have to pay it back. You don’t have to stay in the house five years, it’s yours, it’s done, it shows up at closing. And of course, you do pay taxes on it, but it’s free money.

Dillon: Right. And then earlier, just to make sure that everybody understands, you said it’s a 97% conventional loan, kind of explain… this is a type of jargon that if you don’t do this every single day, you may not understand. And maybe you felt embarrassed to ask, or maybe you just haven’t met the right person to ask. So that’s what we’ve got Dan on here today. So, explain kind of what that means to them?

Dan: Well, I use a good analogy, which I use for everybody. You take a hundred-thousand-dollar loan. 3% is 97,000. So, you have to put $3,000 down, if you get the $1,500 grant, you’re only into it for $1,500, the seller can pay closing costs and prepaid up to 3000. So literally for a couple of thousand dollars, you get into a loan that has one of the lowest interest rates, has across the board, the lowest mortgage insurance period. To make it even simpler, a 20-year conventional home possible loan payment is just a few dollars more than a 30 year FHA on a same hundred-thousand-dollar loan.

Dillon: And see, that’s what you’ve got to be able to talk to your lender and talk to professionals about, just because you’ve had one loan program that’s put in front of you doesn’t mean that there’s not a better one out there for you possibly, you get… That’s 10 years that you’ve knocked off paying that home….

Dan: That’s huge. That is absolutely huge. What I tell and this is what I educate my first-time home buyers. If you take that hundred-thousand-dollar loan, you make every payment for 30 years, at 23 years, nine months, you’ll be at 50,000. If you do that on a 20-year loan it will take you 11 years, 9 months, and a 20 year loan, the mortgage insurance drops off in 4 years, on a 30 year loan, the mortgage insurance drops off in 12 years.

Dillon: Right.

Dan: The money you save is astronomical. Whereas if you go on an FHA loan that mortgage insurance never drops off until you refinance it.

Dillon: And what that means, it’s more dollars coming out of your pocket.

Dan: Yes. You’re spending a lot.

Dillon: That’s the big thing to take away from that there.

Dan: Right.

Dillon: So, don’t just be satisfied with that first loan program. Make sure that you’re calling, you’re talking to the professionals in the industry and that you’re really getting the best information that you can that’s available to you. Now I’ve got a kind of a two-part question for you here. And a lot of people… you may think the simple answer is pay off your debt or don’t pay off your debt, but let’s get it from a professional here. What is number one, the best thing you can do for your credit and number two, the worst thing you could do for your credit?

Dan: Well, I’m going to do the worst first, because it’s what most people do. They pay off their medical bills. They pay off their collections and they think they’re doing the right thing. Well, you just, as we talked earlier, just lowered your credit score. If you’re going to do that, talk to the collection agencies, say, look, I’ll pay it off. As long as you’ll remove from the Credit Bureau. Now, if you do that, that’s great.

And they will do it, because the collection can only stay on so long, after a while, they’ll pick up the phone and say, “okay, we’ll do it”. It’s amazing because something is better than nothing. The worst thing that you can do, the second worst thing is pay off all your credit cards and have a zero balance. Guys, I see this all the time, you know, I get these Dave Ramsey and I love Dave Ramsey.

Dillon: Sure.

Dan: They come in and they’ve got 20% down. They paid all their bills, they’re looking good, and their credit score is zero, because zero times zero is still zero. Whatever math you use, it’s still zero. Every time you pay off that thing, then you have a zero balance. And that’s all it is, a credit Bureau is a mathematical formula. So, zero times zero, the best thing you can do, the number one thing is a house, a mortgage. You can pay your mortgage on time, that’s going to have the most weight on a credit score.

The number two thing is a major credit card. And don’t really abuse that credit card, don’t go over the limit. Don’t go over 50%. If you can help it. Visa card, MasterCard, American express, you know, don’t leave home without it.

Number three that you can do is a car loan from a major lender, you know, a local bank, some of your bigger banks, and those are the top three. And most first-time home buyers usually don’t have one or two.

Dillon: Right.

Dan: And so they have excellent in-fact, I’ve got a situation right now. Well, you know about it. Guy’s got three car payments paid. Excellent. His credit score is really low, that’s because all he has is three-cars and they’re all paid off. So, zero times zero. Well, that’s why the score is so low. It’s not that he has bad credit, it’s just doesn’t have the right type of credit.

Dillon: And it doesn’t even mean that you’ve… and this is the question that I get. Well, I’ve paid everything on time. I’ve paid it off. You you’ve done great. You’ve managed your money. You’ve done things right. It’s just, there is a game to be played and the score is your credit score. And that that’s what is going to be the driving force. So even if you think that you’re doing it exactly right, you may be hurting yourself than actually helping yourself.

Dan: You have to know the mathematics, because that’s all it is. Credit Bureau is a mathematical formula. If you know what the most weight on that formula is, you’ll win.

Dillon: Right.

Dan: That’s all it is, is pure math.

Dillon: I love that. Now, Dan, if somebody had some more questions for you, if they wanted to get in contact with you, maybe they’ve watched the video and feel free to DM us or write a comment. We’ll make sure to get it to Dan, but to reach him directly. Dan, how can they get ahold of you?

Dan: Two ways. Call me on my cell. (405) 822-0141 or dperreira@unionhomemortgage.com or you can do hashtag Dan the man.

Dillon: I love that. Well, Dan, we want to appreciate you for your time today. I appreciate you coming out. Everybody feel free to give Dan a call. I know he’d be glad to help you, head over to pamrobinsonrealestate.com to find your next property. Give us a like, share, subscription on any of our social media. Hopefully we’ll be talking to you soon and getting you into your next property.

Pam Robinson Real Estate Variety Show Episode 1 – Interview with Dan Perreira2020-08-08T17:22:22+00:00

How’s The Market

Hey everybody, Dillon Robinson with Pam Robinson Real Estate, back with episode number two of How’s the Market. We’re going to take a look at our own little area right here within a 35-mile radius. And we’re also going to have a discussion about what’s going on nationally. The national association of realtors has put out some surveys trying to forecast what they see coming in our future. So, we’ll discuss that. We’ll talk about a couple of case studies of my own listings and things that I’m seeing going on in our area. So, stay tuned. Hopefully we’ll give you some good information so you can decide if it’s the right time for you to buy or sell.

Okay. Everybody we’re back. Like I said earlier, this is episode number two of how’s the market. We’re going to keep putting these out every single month. That way you can watch the trends and kind of see the statistics that we’re putting out there.

We’re never going to sugar coat any of the statistics. We’re not going to tell you tall tales about what we think is happening or hope is happening. I’ll give my opinions, but as far as the data goes, we’re pulling it directly from the Oklahoma City MLS system. Now we’re a part of the Tulsa MLS system as well. But for this specific area, we’re just looking in that 35-mile radius of Seminole. So, this is going to give you a decent idea of what’s happening in my own backyard, but we’ll talk a little bit more about this nationally as well, because the national association of realtors has put out some really great information that’s hopeful.

And we’ll go over those stats in just a minute. So currently listed within a 35-mile radius of Seminole, there are 812 properties currently listed. Now keep in mind, that’s vacant lots, vacant land, commercial buildings, residential homes, multifamily, it’s everything.

If it’s on MLS and it’s within that circle that I drew, that’s the stats that we’re pulling up. And within that same area, there are currently 364 properties under contract, which is phenomenal. That’s a really good indication that we still have some great buyers out there that are still looking for the right property to buy. Now from April 1 to May 26, we pulled up how many properties had sold during that time period, within that same radius, there’s been 267 properties sold, which is still great. Of course, that is behind the volume that was done in 2019 for this area, but that’s to be expected. That’s not just this 35-mile radius. It’s the state, it’s the whole country. So, everybody knows the volumes down. But what we’re looking for is trying to find the trend where that starts going back up towards the volume that we were producing in 2019.

Now the national association of realtors has set out some surveys to different buyers and sellers across the country to try to get a feel for what these groups are thinking. And the largest thing that they found is sellers have a more pessimistic view of the market right now than buyers do. And kind of a case study from one of my own personal listings, I listed 82 acres out towards Henryetta, and it was on the market for less than 48 hours before we had a phenomenal offer that the seller accepted, and we moved on.

Now I’m telling you that because 48 hours on the market, is a quick sell. That means there are a lot of buyers out there that are actively looking for properties. And this wasn’t even the first person that called me about it. So, there are people scouring the internet, they’re calling their realtors, they’re looking for the right properties.

And that’s really what I want to make sure that sellers are keeping in mind. Now, the number of listings across the country, according to the national association of realtors is starting to see that tick up, so slowly but surely, we’re starting to get some more properties on the market across the entire country, across our state, and also within our region here. Now, what they have found is, is sellers were kind of taking a wait and see mentality to find out what the market would do.

So that’s like I said, in the last video, that’s pushed our hot listing season that’s typically in the spring, down the road a little bit. So, what we’re hoping is, is this pickup continues to rise, and then we start seeing a huge inflow of new listings coming on the market for all these buyers out here that are still looking. It’s going to be a long road to recovery, not just for the real estate industry, but for everybody.

But the best news that’s coming from our national association is, at least we’ve started the road trip. It’s going to be a long haul, but we’re all going to get there. One thing I want to recommend, don’t let the national media necessarily discourage you from buying or selling right now, call a lender and talk about rates. If you’ve got a good credit score, there are some phenomenal programs and interest rates that are super low right now.

It’s a great time to get out there and at least test the market. See what’s out there, you know, put yours on the market. It doesn’t cost you anything to list your property and it doesn’t cost you anything to at least give it a shot. So that’s what we’re asking. We’re asking you to consider putting your property on the market, because there are a lot of buyers out there waiting for the perfect property and that property could be yours.

Hopefully, this has been an informative video for you. Again, we’re going to put out another one of these videos next month. We’ll have the same type of stats featured. We’ll get some good information from our national association of realtors. We can also go to the Oklahoma association of realtors, which has a fantastic wealth of information for us as well. Head over to Pam Robinson Real Estate to find your next property. Give us a call at 405-382-7653, go to all of our social media, give us a like, share, subscription. And as always, we’ll be talking to you soon.

How’s The Market2020-08-08T17:20:58+00:00

5 Tips for Home Sellers

Hey everybody, Dillon Robinson back with Pam Robinson Real Estate. I’ve got a couple of questions for you. Are you ready to list your home, sell your property but are not quite sure where to start? Well, today I am here to give you five seller tips to get you and your property ready to be on the market.

Tip number one get ahead of your cleaning and decluttering. I recommend that you get a really good deep clean done and purge all the items that you really don’t need that you may have not touched in months. The less clutter that you have in your house and the cleaner that it is, the better the showing is going to go. Now I recommend that you do that right before your realtor comes to take pictures, that way it’s pristine and will look great online, whenever people are going through your pictures and your videos of your home. What I recommend to my sellers, dedicate at least 30 minutes a day for a little bit of light cleaning after you do your deep clean and declutter. It allows you to stay on top of it and makes sure that your home is always show ready.

For tip number two, always be ready for your home to be shown. Now that correlates a little bit with tip number one for the 30 minutes a day of cleaning, that way you’re not stressing about running the vacuum one more time or getting the dishes out of the sink or whatever it may be. The back end of that is have a contingency plan for those short notice requests for showings because it’s going to happen. People are going to drive by and see the sign and they have an hour that they can go look at your house. You have to be prepared because the more buyers that are coming through your home, the better opportunity you have to get your home sold.

So, for tip number three, I like to call it my weekend warriors. Basically, what I’m asking you is “How motivated are you to sell your home?”. Motivated enough to finally clean out the gutters, change out the landscaping, do the touch-up paint, I think you get where I am going on this one. Take the time whenever you have it to finally do those small home improvement projects that you have been putting off for so long. What you have to understand is whenever a buyer is coming into your house, they are not just looking at the things that they like, they’re looking at the things that they would have to do to make your home their home. So, taking the time on the weekends to get those things done ahead of your listing, it’s going to give you the best opportunity to your home sold fast.

For tip number four, what I want to make sure that sellers understand is you’re selling a house not a home and by that, I mean don’t get too attached to your memories. Everything that you have built in that house and the great memories that you have; those are going to remain with you. So, whenever you get constructive criticism from a buyer or something that they didn’t like or they think the price is too high or whatever it maybe, don’t take those things personally. That feedback is essential to making sure that your property is going to be marketed as best as it can and it gives you an idea if maybe there is some cosmetic things that you may need to do to your home to give it a better opportunity to sell. So, do not take things personally, all feedback is good feedback because it gives you the best opportunity to get your property sold.

For tip number five, you need to ask yourself. Do you want to list your home, or do you want to sell it? There are three reasons that a property does not sell; price, condition, and location. Location unfortunately, you don’t get to change but the condition of the property and the price of the property are two things where you’re in full control. So, keep that in mind whenever you are starting the selling process, Realtors are the professionals that do this every single day. They have the most up-to-date information to give you the best idea of the value of your property. Now you’re always the boss, you don’t have to list for exactly what that realtor told you that the property is worth, but it is a really good idea to take their recommendations because they again are the people that do this every single day. So, those are my five tips for sellers, head over to our Facebook page or Instagram, give us a like or follow. That way you are always up-to-date with the best information that we have to offer you. This has been a lot of fun, stay tuned for more content, head over to Pam Robinson real estate.com for all of our listings; we look forward to speaking with you soon.

5 Tips for Home Sellers2020-06-06T01:00:33+00:00

How’s The Market (April 2020)

Hey everybody, today I want to give you a little bit of insight as to what the markets’ looking like right now. We get tons of calls from sellers and buyers both “Hey, what is happening amid the covid-19 pandemic.” “What do we need to know?” “What is going on?” “Should I list it now, should I not?” “Should I buy now, should I not?” All those kinds of questions, we’re going to try to give updates a few times a month on what the market looks like, and what we’re seeing right here within our area and get that information back out to you so you can make the proper decision for you and your family. So, like I said we’re going to talk about our market a little bit right here. Now I’ll sell anything and list anything in the state of Oklahoma, but for the purposes of this video we’re going to narrow that down to my main area that I work, which is about a 45 mile radius of Seminole. So, keep in mind that is what we are talking about. I am not talking about metropolitan or Tulsa, or Enid Guymon.

So, in 2019 and I pulled this information from our MLS system, from March 1 to April 30th, there is 402 properties that sold during that time period in 2019. Fast forward to 2020, March 1 to April 30, 342 properties have sold at last check. Now a 60-sell drop-off is not really anything to write home about. Yeah, it is a little disappointing but there is a ton of different factors that could have been pushing that other than just Covid-19. So, 60 property fall off we’re not super concerned about that, we’ve still got good strong buyers, interest rates are still at a great rate right now. Call your lenders, talk to them about what rates look like and you might even think about refinancing your home. Now what we have noticed is the number of listings that we typically get during the spring has come down and that is really across the entire state, not just this area. So, right now within a 35 mile radius of Seminole, there are 976 properties currently listed. That sounds like a ton, but that’s not just homes, that’s vacant land, commercial, and lots. So, that’s quite a few, but if you’re a buyer out there I’m sure you’ve probably noticed it looks like you’re scrolling through on the same homes over and over again.
What we are hoping and anticipating is typically March to May is the fast listing season for realtors. I am guessing that that’s probably going to get pushed to July, August and September. That season of selling and listing is coming again, it’s just kind of been pushed down the road a little bit from the covid-19 pandemic. Now as our state slowly starts to open back up and things are reemerging, people are coming out and getting out in town, that’s when you are going to start seeing the pickup of more buyers even though there are good ones out there, and we’re still selling and it’s still a great market, we will start seeing more. So, sellers take that into consideration, if you are considering selling your home it’s still a good time to get it on the market. There are still buyers out there that need to find their home, and it may just be yours.

So, the thing that I really want you to take away from this is it seems scary and everybody has been really worried about it, but quite frankly, it just has not had the drop off that everybody was worried it would have. Yeah, it slowed down some, but it has not collapsed. So, keep that in mind, call a realtor, call a lender, talk to them, see what’s best for you and your family and take advantage of it whenever you can. I hope you have enjoyed our update on the market, we’ll try to keep these coming out as much as possible as things change because you know as well as I do, in two weeks it could be completely different. So, we’ll keep giving you these updates, I hope you stay tuned in and stay up-to-date with us. Go to our Facebook page and our Instagram give us a like and a follow, so you can always have the most up-to-date information. Pam Robinson real estate.com has all of our listings, head over there and take a look to find your next home and we’ll be talking to you soon.

How’s The Market (April 2020)2020-06-06T01:01:14+00:00

5 Tips for New Home Buyers

Hey everybody, this is Dylan Robinson with Pam Robinson real estate. Have you ever wondered what you need to do to start the buying process? If you have questions are the things like man, how do I get pre-approved? How do I start looking at homes? What do I need to do to be a homeowner? Well stay tuned. Today, I am going to give you five tips to get you started.

Okay guys, here is tip number one. Now the first thing that I think that you need to do whenever you’re ready to start going and looking for the home that you want to purchase, go get pre-approved. Number one, it is going to tell you how much your actual buying power is, it is going to start the process. But to me the most important reason to go get pre-approved whenever you’re ready to start looking is so that you can pull the trigger whenever you actually find the home that you’re ready to purchase. You do not want to wait an extra 24 or 48 hours while it is still on the market and somebody else could be making an offer. Be prepared, and be ready to make that offer and you can do that by getting pre-approved with your lender. Call a lender today, they can tell you exactly what they are going to need to get you pre-approved. A couple of things to have on hand; your last two years of tax returns, the last two months on pay stubs, they may need more than that, they may not need that right away. But if you’re prepared and you go get pre-approved you’re going to be ready to buy a home before somebody else that hasn’t taken those steps yet.

Okay guys, so here’s tip number two. The thing that I try to get my buyers to understand is it is okay to broaden your search criteria a little bit. Do not get so hung up on the small details. If you come in and you say, I want a house its 2000 square feet or more, nothing less than 2000 square feet. You may miss out on that house that’s nineteen hundred and fifty square feet that might have been just perfect and exactly what you’re looking for. So, give your realtor the ability to understand what your wants and needs are, and what your criteria is. But let them broaden that search a little bit. You do not want to miss out on something just because you only wanted to go three miles from work or five miles from work. An extra two miles, five miles, whatever it may be, gives you the ability to see more homes and find more properties that are going to actually fit your criteria and what your daily life needs. It is going to allow us to better service you whenever you are looking to buy a home.

For tip number three guys, this is something that I highly recommend for any buyer out there that’s going to look at properties. Take notes, okay. I know that sounds like just a basic tip because you can remember what you saw or you know whenever you walked in, I didn’t like it, I don’t need to take notes about this one but it’s about more than that. By taking notes on what you did and did not like about a specific house, it’s going to help you identify the things that are actually important. A lot of times you go in and you think man this is going to be really important to me but once you start looking at homes you realize maybe that’s not as important while this other item is. The other part of that is, it is going to let your realtor know what you did or did not like about those homes. So, whenever they’re looking for other listings to bring to you for possibilities, they’re not going to be wasting your time with things that you’ve already marked off on your list that you absolutely didn’t like about a previous house. That is going to give your realtor the opportunity to find you the perfect home for you and your family. It is also going to help you remember what you have looked at, so whenever it is time to make that offer, you remember exactly what you saw.

For tip number four, I highly recommend and I bet every realtor out there would recommend this as well; get a home inspection and use a professional. You may walk in, and see this house and you know it’s perfect and you want it, you’ve made your offer, it has been accepted, now it’s time to really get down to business. You may think it is perfect but you cannot see it through the walls and that is what your home inspector is there for. They are going to give you a really good indication of what the roof condition, the electrical, the plumbing, everything that you’re going to need to know about that house. I like to call it a buyer’s user manual for your new home. It is going to give you a wealth of information to let you know what you need to be thinking about doing in the future or if it is in great condition, you know, that you’ve got a great house and it is right there and it’s ready for you and you’re good to go. So, whenever you are ready to buy a home, and your offer is accepted, get a home inspection and use a professional.

Tip number five is more of a statement than a tip. What I really want to make sure that everybody understands is you can be a homeowner, whether you think that your credits too low or you don’t have enough money save for a down payment or whatever the issue is that is holding you back. Do not let it. Call a realtor, call your lender, and call somebody that has bought a home. It does not matter, talk to somebody and start asking those questions. Homeownership is for everybody, and the professionals in the real estate world and the lending world can help you get there. It may be a long process, but we can get you in a home that is perfect for you and your family. All right guys, so this was my 5 tips for buyers, stay tuned for next week where I’ll be giving out some seller tips. I hope that you enjoyed this video, it is something new that we are trying, I have kind of stumbled my way through a few of them, but I’m getting there and hopefully you’ve enjoyed it. Head over to our Facebook page, Instagram and give us a like, follow us, stay tuned for more information on the real estate market, and what we can do to help you be a homeowner, and find the perfect property. Go to Pam Robinson real estate.com for all of our listings and we will see you next week, hope you enjoyed it.

5 Tips for New Home Buyers2020-06-06T01:01:29+00:00