Real Estate Agent SEO Training: Drive Loads Of Traffic To Your Real Estate Website Now With Google AdWords Part 23

November 24, 2010

Financial Concerns

-    their overall lack of knowledge about financial matters makes them hesitant to know whether they want to buy a home.  This can include any of the following areas:

Procedure/Protocol Issues

-    Should I get pre-qualified for a mortgage before looking for a home?
-    Can I borrow the down payment from family or friends?
-    Can I contribute from my RRSP towards a down payment?
-    Do I need to get a letter from my employer stating my income?
-    What’s the difference between getting pre-qualified and pre-approved for a loan?
-    Will our monthly mortgage payments ever go up or down?
-    When should we re-finance our home?

Affordability Issues

-    They might think that buying a home will eat up all their cash savings and disposable income, making them “house rich” but “lifestyle poor
-    They want to buy a car and a home, but worry that if they buy one they won’t be able to afford the other or will be denied financing for the other
-    They make a modest income and are concerned about unexpected and/or large expenses associated with the house will blow their budget.  These expenses could be any of the following: home insurance, property taxes, repairing/replacing appliances and other major parts of the house
-    If they rent out the basement or an extra room to a tenant, will they be able to get a higher mortgage?
-    Will they be able to afford closing costs with their savings once the down payment is made?
-    Should they consider private financing to get a better home?  Can they afford it?
-    Will the bank try charging them mortgage insurance?  Under what circumstances?  Should I take it?
-    Will we ever have to make any lump sum, balloon payments with any of our mortgage options?
-    Should I be looking at foreclosed homes for a bargain?
-    I’m a bit of a handyman.  Perhaps I can buy a fixer upper house and save lots of money and work on improving it in my spare time?
-    Are lenders as willing to lend on fixer-upper properties rather than normal ones?
-    How much will my other large debts (student loan, credit card) affect my ability to get a loan?  Will consolidating them with my lender help?
-    How much cash will I need for all related costs of buying my home?

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