Buyers Aren’t Spooked by Haunted Houses

I figured since this is a real estate blog and it’s almost Halloween, it would be appropriate to write something about the classic “haunted house”.  Would you ever buy one and/or live in one? Well, it seems with inventories so tight these days, many buyers are answering “yes” to that question – can you believe it?! Thirty-three percent of more than 1,000 consumers recently surveyed say they’re willing to live in a haunted house, and another 25 percent said they’d consider it, according to a newly released survey by®.

“Haunted houses are a popular attraction this time of year, but we wanted to see how many people would actually live in one,” says Sarah Staley, a housing expert who commented on the study’s findings. “What we found may be a sign of today’s tight housing market, given that for many buyers, the concept of living in a haunted house doesn’t have to be a deal breaker.”


Visit America’s Creepiest Haunted Houses

Further, 47 percent of respondents said they’d live in a home where someone has died (which actually would be fine with me, as long as it was a natural death!), and 27 percent additional respondents said they’d at least consider it, according to the survey.  Still, 40 percent of consumers said they’d need a price reduction in order to choose a haunted home over a non-haunted home.  That would be a funny negotiation – I guess that means that we’d need to price the house at $250,000 is it’s not haunted and $225,000 if it is? Also, a good neighborhood, extra square footage, and more bedrooms would convince them too, according to the survey. On the other hand, 42 percent of respondents insist they aren’t open to the idea of buying a haunted home, even for those extra perks (I think I’m with this group!).

For some consumers, living in a haunted house may not be considered a stretch because they claim they’ve already lived in one. OK, now this is getting weird, right?!  For example, 28 percent of respondents said they have lived in a haunted house, and another 14 percent think they may have. They say their house was haunted because of strange noises, odd feelings in certain rooms, and even some reports of objects moving or disappearing. Queue the Twilight Zone music now!


Bottom line, whatever kind of home you’re looking for, I can help you find it, haunted or not.  Get in touch with me for any of your home-buying (or selling) needs! 🙂

Tips for Newlyweds: 7 Tips for Buying a Home


You’re coming to a new chapter in your life. A future together with your soon-to-be husband or wife, wedding plans, and the daunting, but exhilarating prospect of a new home. How do you tackle all of it at the same time? Newlywed couples have their fair share to think about. While I can’t help you much with keeping the wedding on track, I can offer these 7 TIPS to make the home-buying & moving experience one of your first successful stepping stones in your new marriage.

Consider Your CreditBusiness Insider reports that an important consideration for new couples is to consider their credit. Good credit score can help in qualifying for lower mortgage interest rates.

Have An Open Dialogue-Give yourself some time to plan and talk to your partner about what you own and what you owe. Discuss debt and credit scores in order to get a better idea of what you can afford.  Consider opening up credit cards for small purchases, but remember to pay bills on time in order to build credit. If you have existing debt, consider paying off what you can.

Establish a Budget-This essentially means, maximize your savings. The Knot recommends keeping separate savings account for your house and another for the wedding. This will ensure that you have a growing pot for both. In all honesty, a home is a much better investment than a wedding, so keep it small, narrow the guest list, and shop around for deals…these things can go a long way towards keeping the wedding manageable, thereby maximizing your savings for that better investment, your new home.

Compare Visions-Talk to your fiance about the kind of wedding and house they envision. It is important to compare and find an agreeable compromise. As far as the house, is one of you looking for a big yard? A spacious kitchen? Compile a list of must-haves and maybe-wants, and talk it over. This way your wedding and your house search are both focused and agreed upon, and this will help you both have the same vision while staying on budget.

Find a Good Agent-A real estate agent is skilled at finding great hidden deals and can save a lot of money if they are good negotiators. Make sure to do some research and choose an agent familiar with your goals.

Plan for a Successful Move-Make the move hassle free by planning and organizing. As the Huffington Post suggests, getting the right materials and boxes for your needs can save you a lot of headaches during packing. Hiring a moving company to help with actual moving day can provide much needed relief when it comes to the heavy furniture and boxes. This way you can focus on directing where things go.

Focus on Settling In-Once in your new home, there will be some work to do to begin turning your house into your home. A few basic things to consider doing include:

  • Install a home security system. Keep your family safe. There are many easy to install and affordable options on the market.
  • Purchase a household organizer. This is a good way to organize repairs, purchases, or renovation that need to be done around the house, while keeping it within budget.
  • Replace or fix all locks and keys. Another way to ensure your safety is to ensure the locks to your new home are working properly or rekey all the locks.
  • Buy necessary appliances, like a refrigerator and/or washer and dryer.
  • Smoke Detectors. Check and replace smoke detectors as needed.

Finding that special home is a lot like finding that special someone…it often isn’t easy to fine “The One”! It usually takes work, dedication and commitment. But by keeping in mind these 7 TIPS, you can marry your soulmate and find a great home at the same time.  I can’t help you get your wedding planning started, but if you need to know how to start the home-buying process, don’t hesitate to get in touch!

Photo Credit: Pixabay

Article edited from a selection written by ALEX ROBBINS. Thank you Alex!

6 Things I Want My Sellers To Know

Selling a home is hard-work, fun and rewarding, yet there are a few challenges along the way for all parties! One in particular is I NEVER want to hurt my relationship with my clients. To avoid having any awkwardness, here are a few things I wish all my sellers knew…

1. Just Because YOU love your home décor doesn’t mean everyone else will – Don’t take offense, everyone has their OWN taste!

2. No secrets regarding the house – Because those secrets will be found out. No point in keeping the fact the A/C isn’t working. This could affect the sale later down the road. Disclose everything in the beginning so we can determine a plan of action.

3. You may not get all that money back you spent on remodeling – Unfortunately this all depends on WHAT remodeling was done. Learn more at

4. Get ready to fix some stuff – Fixing and cleaning just a few small things can make the house look incredible and fresh. If you spend time and money to do this at the beginning of the listing process your offers will be a higher amount. You don’t want buyers thinking they are getting a “fixer upper.”

5. I am just the messenger – I hate lowball offers as much as you do! Just understand I get frustrated too but I am on your side and will make sure I do what I can to get the best offer for your home.

6. Talk to me! – If there’s something that you’re not happy with, or something that you think I should be doing that I’m not, talk to me. Communication is key in any relationship, and if I don’t know what you’re thinking or feeling about how the house sale is going, things can get crazy for no reason. Let me know, not your friends or family, first!

7. Don’t Sweat the Small Stuff – Selling is an emotional process, so it’s easy to get mired down in the details and forget about the big picture. But, it doesn’t matter what the buyer offers, wants, asks for…the only behavior we can control (like I tell my kiddos) is ours. So, don’t get mad at the little nit-picky stuff, and don’t make the buyer the bad-guy. Keep your eye on the prize, which is selling your house, and don’t get hung up on small stuff.

Want to know more about selling? I’m always ready and able to answer your questions, so just holler! Email, text, call, carrier pigeon, whatever way you prefer to communicate, I’m ready.

Source: Derived from Realtor Mag

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How to Find the Best School Before You Move


There’s so much to manage before moving to a new town. From finding the right home to arranging inspections, setting up utilities, and getting everything packed, it seems like the to-do list is a mile long. There’s one thing that might not be at the top of your priority list, but should be: Finding the right school for your kids. While it’s tough to check out teachers and administrators from afar, choosing the best learning environment can make all the difference for your family. When you’re making this important decision, consider these factors:

Teaching Style
While teaching style will always vary from classroom to classroom, some schools take an approach that sets them apart. Among preschools you’ll find schools that are play-based or academic, Montessori or Waldorf. For older students, schools may emphasize hands-on or lecture-based learning, opt for ability grouping, cooperative learning, or mastery learning, and offer a high-tech learning environment or prefer books to tablets. Consider which learning styles have worked for your student in the past and find a school with a matching approach.

Educational Needs
Some kids need more than the average school experience. Maybe your child has a learning disability and follows an Individualized Education Program, or IEP, to get the education he needs to thrive. Or perhaps you have a child with special interests in the arts or sciences that you’d like to see fostered.

Magnet schools are great options for kids with unique talents or interests to cultivate. You can find public magnet schools with a focus in science and math, the arts, world languages, and more, and all it takes to qualify is an interest in the school’s theme. For kids with special needs, consider a school’s student-to-teacher ratio, whether special education students are taught separately or alongside their peers, and whether teachers on staff have experience with the accommodations your child needs.

Extracurricular Activities
Losing an extracurricular activity when moving schools only makes the transition more difficult for your child. She may feel you’ve unfairly taken away an activity she loves, or struggle to make friends outside the dynamic she’s grown used to. Since extracurriculars influence social development, academic performance, and even college admissions, you don’t want to disregard their importance when it comes to choosing a school. If your preferred school doesn’t have a particular extracurricular, check for club teams in the nearby area.

The right school isn’t just about what goes on inside the walls. You should also consider the neighborhood a school is located in, especially if your child will walk or ride the bus to school. The wrong neighborhood could mean exposure to things your child isn’t ready to see, and studies show that exposure is the first step in early drug and alcohol use, especially among youth coping with the stress of a move and fitting in at a new school. And while you might feel your child is bright enough to resist temptation, the science shows that kids who live in good neighborhoods achieve better outcomes.

Now that you know what to look for, how do you find all the information you need to make the best choice for your student?

School and district websites are a great place to start getting a feel for an educational institution’s ethos and opportunities. You can also find and follow schools’ social media pages to learn about events, extracurriculars, and school news. The U.S. Department of Education publishes reports and statistics on school districts around the country. However, some of the best information comes from other parents. Reach out to parents on local Facebook pages for opinions on schools, check out forums like, and read reviews on sites like

Other parents are also a good resource for discovering a neighborhood’s reputation, but you can weed out undesirable schools early on by checking crime maps, scanning the neighborhood on Google Street View for abandoned buildings, graffiti, and signs of illicit activity, and looking up neighborhood data on a site like

Image via Unsplash

Article Written by Alex Robbins


Buying a Home Can Be Stressful – Let Me Help!


There are many things that can cause you stress when buying a home in today’s market. Some examples are saving enough money for the down payment, worrying about rising interest rates, concern about paying too much, anxious that the Sellers have the leverage….

A recent study by indicated that 72% of prospective buyers deal with this stress. Do you know what the top reasons are? This was what respondents said:

1. Losing Earnest Money Deposit
2. Becoming “House Poor”
3. “Bidding Wars”

The third one on that list is particularly applicable to our DFW market – recently, with the high home prices and low inventory, there has been a major increase in competition in our area. Not only are bidding wars a concern but the fast-pace of the market also causes many buyers to make quick decisions and that can lead to second-guessing…another stress.

How can you as a Buyer be ready to tackle these challenges?

Answer: You must choose a real estate agent who is professional, trustworthy and knows how to help you navigate this crazy market – like me! While I recognize the serious nature of real estate, I also maintain that it can be fun. 🙂 My goal is to listen, be responsive, and be an advocate for you so that the home buying (or selling) experience is a positive one that will allow me to become your realtor for life. If you are looking for a diligent, educated, organized, and dedicated real estate professional, then I am The One for you!

Just let me know if you have any questions regarding the real estate market or your home in general.

-Heather Kinder Sims
(Article taken from the desk of Mary Frances Burleson, President & CEO of Ebby Halliday Companies)

Marketing a Home Today – It’s All About the HOMEwork

Simply placing a ‘For Sale’ sign in the yard and posting the listing on MLS no longer gets buyers to the door.  A good realtor today must do their other HOMEwork – diverse platforms such as social media, real estate blogs, YouTube and Broker web sites must be used to pique buyer interest.  Here are a few action plans that you should check to make sure that the realtor you choose uses to attract buyers:

Online presence – The number one strategy for selling fast is good internet presence. People who keep their homes a “secret” hurt their chances of getting the highest price. You want to be EVERYWHERE online.  Focus on the home’s “online debut” – research shows that a property has only about nine seconds to get a buyer’s attention, so you have to make it count. I encourage my sellers to go online and check out how their house looks, and how it stacks up against the competition.

Quality photos – Smartphone photos no longer make the cut.  Your agent should be using professional photographers to shoot pictures of homes for sale. The photos should tell a story about the house…essentially, they’re your first “showing”.  It’s also really important to prepare the home in advance to ensure compelling photography, which is why I use a professional stager for all my listings along with professional photography.

Virtual Tours – Give potential buyers a high-resolution, interactive tour through the home. It helps people who are looking for a specific plan or special features.

YouTube – Videos can really tell the home’s story.  The key is to have well-produced video with good sound and crisp, clear visuals.  The key in my opinion is to keep the video short and to not give too much of the house away – you still want to encourage buyers to actually come view the home.  It’s also important to give some extra details and not just recite that the home has three bedrooms and a fabulous dining room.

If you are thinking about selling your home, I have the perfect strategy and tools to be successful in today’s market – professional staging, photography, and video are cornerstones of the way I do my HOMEwork. This year alone I have already completed over 25 Real Estate transactions, and I’m proud and humbled to say that D Magazine just voted me as a “Best Real Estate Agent and Top Producer in 2017” for Dallas!  Please visit all my social media sites to learn more about me…or give me a call today!

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Wanna Sell a House? Follow These Rules!

If you’re trying to sell your home, you’ve probably scrutinized it, staged it, and scrubbed it down as if the folks from Architectural Digest were stopping by for a cover shoot. OK, so it’s in immaculate shape — but your home isn’t the only thing under scrutiny here. You are, too. That’s right: No matter how nice your home is, your behavior can also affect how buyers feel about making an offer.

Below are seven etiquette rules sellers should follow to show their home — and themselves — in the best possible light.

Leave — Sure, you’re dying to know if prospective buyers will love what you’ve done with the kitchen, but Realtors agree sellers should not be there lurking in the shadows during an open house or showing.

Take your pets with you — You may think your dog is the cutest ever, but not everyone is bound to share that opinion. In addition to having allergies, some home shoppers may not be in the market for a run-in with an animal they don’t know.

Move your car — Make it easy for visitors to park and view your home. No one likes parking issues. Having them is a sure way to get a viewing off to a bad start.

Offer some refreshments — House hunters can get parched and hungry. You can help. Putting out a few small bottled waters in a bowl of ice is always appreciated, along with some light, easy grab-and-go refreshments such as mints or cookies.

Be patient waiting for feedback — Of course, you’re dying to know what buyers thought of your home, but that information may not flow back to you instantaneously. It’s reasonable to ask for feedback from your Realtor after the showing, but understand it may take a day or two for the buyer’s agent to respond.

Don’t be greedy — Who doesn’t want top dollar for their home? But an unwillingness to negotiate can kill a possible deal and keep your home on the market long after you were hoping to be unpacking at your new place.

Listen to the professionals — If your Realtor has some suggestions for improvements that may help sell your home faster, take them to heart but don’t take them personally. Keep emotions out and listen to what a licensed, trained, professional – like ME! – has to say about your house.

If you are interested in hearing more about selling your home, contact me for information. I’m always ready to send you a complimentary Comparative Market Analysis that gives you an idea of how much you can sell your home for. Looking forward to hearing from you!

-Heather Kinder Sims

Selling? How to Make Your House Look Great in Photos!

A house hunter’s first view of your property is often online, and if the photos accompanying your home’s listing don’t impress, you may not get a second chance to entice that potential buyer — meaning your real estate photos are valuable assets when it comes to selling your home. The following tips can help your home put its best foot forward on picture day.

Check out potential agents’ listings. Before diving into photo-day planning, choose a good realtor who knows how to market your property through high-quality photos! It’s so important to be sure your real estate agent is prepared to deliver quality listing photos, so before choosing your realtor, study each candidates’ listings to get a feel for the quality of the photography. Here are a few questions you may want to ask about how the agents you’re considering handle photos:

* Do you use a professional photographer?  THE ANSWER NEEDS TO BE YES!
* If you take the photos yourself, what equipment do you use — professional camera and tripod or a cellphone? THE ANSWER NEEDS TO BE THAT THEY NEVER TAKE THEIR OWN PHOTOS, unless they are also a professional photographer, of course!
* How much time is typically allotted for the photo shoot?
* What can I do to make my home look its best in photos?


My Listing at 4302 Running Brook in Rowlett – Professional Photography Helps Make This Living Space Look Fabulous.

Clean the windows and open the shades. Ample light can go a long way toward making your home shine in photos, so get those windows sparkling clean, and open the shades and curtains wide.


My Listing at 2707 Foxcreek in Richardson – Windows Sparkle & Views Are Amazing.

Perk up houseplants. Fresh green plants add a feeling of life and vibrancy to interior photos…ailing plants, not so much. Trim away dead leaves with a pair of sharp scissors. Dust large-leaved plants with a soft cloth. And this needs to be minimal – you don’t want a jungle of plants, but just a few strategically placed is ideal!


What a lovely room at the 2707 Foxcreek Listing in Richardson.

Remove counter clutter. Gleaming, clutter-free counters will make your kitchen look more spacious. Put away everything, then clean counters well. It’s fine to leave out one or two small appliances, such as the toaster and coffee maker, but stash anything extra, as well as small appliances (especially the ones that have seen better days!).


Spacious and meticulous kitchen at the 2707 Foxcreek Drive listing in Richardson.

Polish wood floors and shine appliances. Wood floors can be a major selling point, so be sure they look their best in photos by treating them to a thorough cleaning…dirt and dust show up so easily on wood floors, especially dark ones. The same goes for those stainless-steel appliances — using a product designed for stainless-steel, buff the surface until it gleams.


Brand new floors at the 6005 Mark Lane listing in Rowlett!

Hide toiletries and freshen bathrooms. Aside from a fresh bar of soap at the sink, the bathroom should be completely free of toiletries — too many products crowding the sink and shower suggest that there’s not enough storage space. Pull open the shower curtain, clean the mirror, put the toilet seats down (this is a huge pet peeve of mine!) and turn on the lights. Remove old towels and put out fresh, fluffy white towels if you have them. If not, just leave the towel racks bare.


The bathroom in my 4302 Running Brook listing.

Neatly tuck in bedcovers. Photographs seem to pick up every little imperfection, so spend an extra few minutes straightening up the beds on picture day. Fluff the pillows, pull the bedcovers taut, and clear away clutter and personal items from bedside tables.


My 4302 Running Brook listing in Rowlett. Aren’t the built-ins great?

Do a photo-ready walk-through. The aim on photo day should be to make your house look as spacious, clean and inviting as possible — so it’s in your interest to declutter as much as possible. Here are some under-the-radar items you may want to stash before the photographer arrives:

* Shoes in the entryway, but also anywhere and everywhere!
* Piles of mail and paperwork
* Remote controls
* Magazines
* Kids’ toys that can’t be put neatly away
* Pet food bowls, beds and litter boxes (temporarily move these to an area that won’t be photographed)
* Fridge clutter (magnets, photos, cards)


My 2707 Foxcreek Listing in Richardson. What a peaceful space.

Switch on all lights & turn off ceiling fans. Unless your home is flooded with natural light or you know that your real estate photographer will be using portable studio lighting, the general rule is to turn on all lights, including lamps. Be sure they all have bulbs!  Also, turn off the ceiling fans – if they’re on, the blades will blur in photos and it’s not a good look. 🙂


My 4302 Running Brook listing in Rowlett. Gorgeous study!

Highlight special features. Have a lovely working gas fireplace or an outdoor fire pit? Make sure it’s lit on photo day. Likewise, if you have a hot tub or a pool in the backyard, make sure it’s uncovered and clean for the photos.


My 2707 Foxcreek Listing. Amazing backyard!

Focus on the first impression. This isn’t the time to worry about major landscape changes or reviving a dead lawn. Instead, focus on the quick fixes that will make a positive impression in a head-on photo of your home. Deadhead flowers, rake leaves, clear away porch and driveway clutter, and set out a few pots of blooming flowers. You may also want to leave your own car parked in front of the house until the photographer is ready to shoot the street view — otherwise you could wind up with your neighbor’s SUV blocking the shot!

Last but not least, check that all outside areas are neat and tidy, with outdoor furniture in place, tools put away and garbage cans tucked out of sight.

I always enjoy articles written by Houzz magazine. The tips are great in this one – not only for the photographer but for me as I am preparing for showings. The Real Estate business is hard work, lots behind the scenes, but what a fun business! If you are interested in seeing all the listings I have available, you can click HERE or don’t hesitate to give me a call at 214-549-7978.

Looking forward to hearing from you soon!

Heather Kinder Sims

4 Tips for Effectively Making an Offer

So, you’ve been searching for that perfect house to call a ‘home,’ and you finally found one! The price is right, and in such a competitive market, you want to make sure that you make a good offer so that you can guarantee that your dream of making this house yours comes true!

Freddie Mac covered “4 Tips for Making an Offer” in their latest Executive Perspective. Here are the 4 tips they covered along with some additional info for you to think about:

1. Understand How Much You Can Afford

“While it’s not nearly as fun as house hunting, fully understanding your finances is critical in making an offer.”

You’ve heard this from me before – this ‘tip’ or ‘step’ should really take place before you start your home search process!

Getting pre-approved is one of many steps that will show home sellers that you are serious about buying, and will allow you to make your offer with the confidence of knowing that you have already been approved for a mortgage for that amount. You’ll also need to know if you are prepared to make any repairs or updates that may need to be made to the house (ex: new flooring, updated master bath).

2. Act Fast

“Even though there are fewer investors, the inventory of homes for sale is also low and competition for housing continues to heat up in many parts of the country.”

According to the latest Existing Home Sales Report, the inventory of homes for sale is currently at a 3.7-month supply; this is well below the 6-month supply that is needed for a ‘normal’ market. Buyer demand has continued to outpace the supply of homes for sale, causing buyers to compete with each other for their dream homes.

Make sure that as soon as you decide that you want to make an offer, you let me know so I can get it written up and presented asap, so we have the best chance at getting you that home!

3. Make a Solid Offer

Freddie Mac offers this advice to help make your offer the strongest it can be:

“Your strongest offer will be comparable with other sales and listings in the neighborhood. A licensed real estate agent active in the neighborhoods you are considering will be instrumental in helping you put in a solid offer based on their experience and other key considerations such as recent sales of similar homes, the condition of the house and what you can afford.”

Talk with me about ways we can make your offer stand out in this competitive market! Of course, offer price is paramount, but there are many other parts of an offer that might make a difference to a seller and might cause your offer to be chosen above any others. Once you want to make an offer, I’ll call the listing agent and ask point-blank if there’s anything that the sellers need or want that we could provide…that kind of conversation that might provide some “inside information” can make a huge difference!

4. Be Prepared to Negotiate

“It’s likely that you’ll get at least one counteroffer from the sellers so be prepared. The two things most likely to be negotiated are the selling price and closing date. Given that, you’ll be glad you did your homework first to understand how much you can afford.

I am there every step of the way to provide you guidance on the counteroffer and making sure that the agreed-to contract terms are met.”

My advice with these counterpoints, is simple – don’t sweat the small stuff. If the counter points are reasonable and aren’t deal-breakers, agree to them and get that house under contract asap!  At any point up until all point of an offer are agreed to, and that offer becomes an “executed” contract, another buyer can come in, make an offer, and get that house under contract.  So, be prepared to make quick decisions on counterpoints, and get that home!

Bottom Line

Whether you’re buying your first home or your fifth, having a local professional on your side who is an expert in their market is your best bet in making sure the process goes smoothly. Let me be that expert to help you out. Call or text me at 214-549-7978 and let’s do some HAPPY HOUSE HUNTING together!

Calculator for Buyers: Purchase Now or Save More?

We’ve all heard the phrase, “time is money,” right? Well, in the home buying process right now, this couldn’t be more accurate, but in this case, time may cost you money. While nearly 40 percent of aspiring homeowners believe they need to put down 20 percent on a home purchase, the truth is the average down payment was just 11 percent in 2016, according to the National Association of REALTORS®.  I found a really helpful tool for buyers the other day that I wanted to share with you…it can help people understand the strength of their current financial profile when it comes to buying a home. It’s a mortgage calculator, which are common all over the internet, but this one is different – mortgage industry blog MGIC Connects has created a Buy Now vs. Wait calculator that can show potential buyers whether they’re better off waiting and continuing to save for a bigger down payment or buying now with less money upfront. Alldid you know- you do is put in your info, and the calculator factors in information such as the current rent you’re paying, amount of your monthly savings, and creditworthiness. You can also submit other information such as desired home price, current amount of savings for a down payment, and an estimated interest rate. MGIC Connects offers the following example of how its calculator works:

A consumer has saved $10,000 of the $40,000 needed for a 20 percent down payment. She can add about $6,000 a year in savings to that. She wants to purchase a $200,000 home. The calculator allows her to see the cost of the home purchase if she did a 3 percent or 5 percent down payment. The calculator also shows that if homes prices appreciate, say, at 3 percent annually, the amount she’d need for a 20 percent down payment would be $48,552, and she would need more than 6 years of savings before she could buy.

During that time, she will have paid more than $80,000 in rent, while her home equity position would be more than $72,000 had she bought six years ago. None of this is meant to encourage prospective borrowers to buy a home before they are ready. It is in everyone’s best interest for borrowers to succeed, so borrowers need to be comfortable not only with the mortgage payment but also the other responsibilities that come with homeownership.

I tell my buyers when we first meet – knowledge is power when you’re looking to buy a home. Do your research, don’t ever hesitate to ask questions – of me or of the lender or of the title company – we’re all a team that needs to work together to make our buyer clients feel comfortable and knowledgeable about the home buying process. A calculator like this one that will show you the potential costs of waiting to buy a home versus buying a home now with a lower down payment could be a great first step in building your knowledge base to buy that home!  Questions? Give me a call, shoot me a text or email…I’m ready, willing, and able to help!

Source: “Waiting to Save for a 20% Down Payment Can Cost Homebuyers Money,” MGIC Connects (April 5, 2017)

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