Buying a house can be a source of tremendous stress for many. It’s extremely common to feel overwhelmed and nervous about specific aspects of the process. Luckily, there are some answers to the scariest questions to help ease your mind. Here are some of the biggest homebuying fears and what to do about them:
Buyer’s remorse is an incredibly common feeling regardless of what you’re buying. Getting caught up in the excitement or stress of buying a home can lead to rash decisions. However, with homebuying, much of that anxiety goes away with time. Once you settle in to your new space and make it work for you, you’ll realize you made the right decision.
Offering a hefty down payment has its advantages. It can give you an advantage against other sellers and even get you lower mortgage rates. However, you don’t need to spend your entire savings on your down payment. The standard practice of 2 to 5 percent is more than suitable for most lenders. Also, there are down payment assistance options available for first-time homebuyers to help ease the upfront cost.
Unexpected financial burdens are difficult to deal with even when you don’t have an expensive monthly bill to pay. However, many lenders and third parties offer payment assistance options like refinancing, loan modification and loss mitigation options. Understanding the terms and rules of your mortgage agreement will also help soothe this anxiety, as you’ll know exactly how much time you have to pay your bill and other important details.
These are only a few of the common anxieties potential homebuyers face. With such an important and complicated life decision, there is bound to be stress involved. Remember these facts for a more comfortable process.
Welcome to Long Island Living at its best! The South Shore of Suffolk County is a suburban area that runs along the shoreline of the Atlantic Ocean. Homes in this area consist of primarily residential properties. This area tends to be diverse in culture and income as it varies by hamlet, village or town. Residents along the South Shore have access to many beaches, parks and recreational activities. I pride myself on my honesty, integrity, hard work and personal service. My first career was in education, starting as a teacher then finishing as a guidance counselor and achieving my Master’s and two PD's. In 1986, I began my real estate career. In a sense, I am still an educator and offering guidance; this time I am outside of the classroom educating my clients on the selling and purchasing processes; which have become so complicated recently and guiding them safely through the confusing and ever-changing real estate market. It is very satisfying to me to help people with not only the greatest financial asset in their lives but their greatest emotional asset; where they celebrate holidays, raise their families and live their lives. I take the needs of my clients very seriously and as a result, I am proud to say, over 90% of my sales are the result of referrals and recommendations. Primarily, my areas of service are the Townships of Babylon and Islip on Long Island’s beautiful South Shore, near pristine beaches and wonderful boating, yet only 55 minutes from Manhattan; truly the best of both worlds. I'm a graduate of the Real Estate Institute and am certified as a Senior Real Estate Specialist. I also hold a license as a Notary Public. Please feel free to call or visit so I can help you fulfill your real estate dreams. I am a Full Service Licensed Real Estate Associate Broker and provide the following: Free appraisal Rental Mortgages International relocation services Sales Home warranty New homes Free school report Water front specialist Notary public Please feel free to call or visit so I can help you fulfill your real estate dreams.
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