New Economy Confusion? Try Proven Experienced Agents

New Economy Confusion?

Try proven experienced agents

There's been a lot of hype in the media in recent months about the "new" vs. the "old" economy. If you plan to purchase a home this year, you'll experience both new and old. First, take a peek at the new-- via the internet. You'll find 1,000,000+ homes with photos, "virtual" tours, financing options, and mortgage calculators on the World Wide Web. You can take a "tour" right from your family room. The internet is like an open door to all the homes in the world.

But, wait! What's missing from those websites? Of course--there's no secure site to place your credit card order for the home of your choice. Such foolishness--you wouldn't order a home sight-unseen. Although browsing the internet can be interesting, it's really just advance preparation. It gets you in the mood and provides some initial education. You can't smell the pine trees, hear the birds, see the real beauty on the internet and you can't feel the energy of the area in which you plan to buy.

Welcome back to the "old" real estate economy--the one where you meet real people who can help. Begin your home search by choosing an agent with the human touch--the ability to personalize your search. Once chosen, the agent can translate your home search dreams and objectives into reality. In today's market the more years of experience an agent has the better you will be advised.

Enjoy the internet, but understand that it takes real people to help make your home purchase happen. Choose an agent who understands the "new" economy and get the best of both worlds.

Stephen R De Sena

National Sales Trainer and Broker/Agent

Serving Nevada County since 1967

The De Sena Group

(530)265-3369
http://www.stephendesena.com/

http://www.desenagroup.com/

Know Your Potential! Be Prepared--

Nevada County--
Real Estate Update by the De Sena Group....serving Nevada County area including Grass Valley, Nevada City, Alta Sierra, Lake of the Pines, Lake Wildwood, Peardale, Chicago Park, Penn Valley and outlying areas....

You've put aside an extra $300 to buy a new jacket you've seen advertised. You know how much you have to spend and it's in your pocket. Surprise! When you get to the store, you find that the jacket you expected to buy is priced at $400. Disappointment sets in, and you leave discouraged. You decide not to make a purchase after all.

Home buyers sometimes have the same experience--in reverse. They may know the price of homes which meet their requirements, but aren't sure how much they have to spend. That is to say, they aren't certain about the mortgage amount for which they qualify.

There's an easy solution which helps avoid discouragement and frustration. Most mortgage lenders will pre-qualify home buyers, even make a firm loan commitment, BEFORE their home search ever begins.

The lender simply takes an application, then verifies employment, credit information, and income. Using lending formulas, the mortgage company will issue a loan commitment up to the maximum mortgage amount for which the buyer qualifies.

With loan commitment in hand, buyers become a valuable commodity to sellers. What seller wouldn't want to know a prospective buyer had the funds to make a purchase? Being in a strong buying position, buyers gain greater strength in any negotiations which take place over price, terms, or other considerations. The result can be win-win for everyone.

Stephen R De Sena
National Sales Trainer and Broker/Agent
Serving Nevada County since 1967
The De Sena Group
(530)265-3369
www.stephendesena.com
www.desenagroup.com