Rave Reviews: Brandi P. (Princeton, TX)

“Shannon definitely takes the time to get to know her clients’ needs and wants. She made sure we felt safe with the house we bought, and that we would be truly happy living there.

She went out of her way to get to us if we were unable to meet with her — that was very helpful, too.

I will be using her again in the future. DEFINITELY RECOMMENDED!”

—Brandi P., Princeton

 

Looking for a REALTOR® who will get the job done? Contact me at 267.566.3448 or email me at shannon.rubin1@gmail.com today!

© 2014 Shannon Rubin.

Choosing the Right Mortgage Lender

(This post is Part 1 of my “Mortgage Lender” blog series. Coming up in my next blog: “Working With Your Mortgage Lender.”)

Image courtesy of fotographic1980 at FreeDigitalPhotos.net

Image courtesy of fotographic1980 at FreeDigitalPhotos.net


One of the most important decisions you’ll make as a home buyer is choosing the right mortgage lender. It’s really the first major step in your decision to buy!

If you have the full cash amount to pay for a house, you don’t need a mortgage. But most people need to get financing — and what you really need is a reputable mortgage company and a loan officer you can trust.

This is your home we’re talking about, and the big monthly bill you’re about to start paying for years to come. You deserve to work with someone who’s “got your back!”


MAKE SURE IT’S THE RIGHT PERSON

A good starting place is getting referrals from the people you trust the most — your family, friends and colleagues. Get some names of mortgage lenders they’ve worked with — chances are, if they really enjoyed working with them, they still have their card and contact information handy.

Then, check out the company and loan officer online. Search their names and look for any reviews of their services, because many people like to share their experiences — both good and bad — online for others to learn from.


“WHAT CAN YOU DO FOR ME?”

Whether it’s on the phone or at an in-person meeting, the best way to get to know your loan officer is to ”interview” them. Here are some questions to ask:

  • “Will you walk me through this process?
    Real estate transactions can be very complicated. You need someone who will take the time to explain all the terminology and details.
  • “Do you have a lot of clients?”
    You also don’t want to be treated like a number. Obviously, you’re not their only client — but you do matter and deserve to be treated well.
  • “Are you reachable?”
    A good loan officer is responsive. They’ll take your calls, respond to your emails and answer all your questions in a timely manner.
  • “Can you deliver on your promises?”
    Your loan officer needs to meet deadlines and back up what they promise — especially when it comes to locking in your mortgage rate. And there should never be any hidden fees or “oops, I forgot to mention this fee!”

And finally, get referrals from other satisfied customers. If they’re good at what they do, they should have plenty!


ASK ME

If you have a question about mortgages or choosing a mortgage lender, let me know!

I’m a REALTOR® who also worked as a loan officer in the mortgage industry — and I can help point you in the right direction.


Are you ready to start the homebuying process? Call 267.566.3448 or email me at shannon.rubin1@gmail.com right now!

© 2013 by Shannon Rubin.

Image courtesy of fotographic1980 at FreeDigitalPhotos.net

“It’s Not Me, It’s You”: Is It Time To Break Up With Your Realtor?


Your relationship with a real estate agent is just like any close, personal relationship. It takes communication, honesty, cooperation and trust to make it work.

And because we’re talking about something as important as your home, it’s a relationship that both you and your agent need to take seriously.

So if it’s not “working,” you definitely need to consider if it’s time to make a change.

If you think it might be time to “break up” with your REALTOR®, here are some questions to ask yourself:

* Is your realtor too busy to answer all your questions?
You deserve prompt responses when you have questions. If you’re not getting them, it could ruin your chances of having a successful real estate transaction.

Does your realtor really listen?
Home Buyers & Renters — Are you being shown houses out of your price range? Homes that don’t have all of your requirements? Or locations nowhere near your preferred areas?

Home Sellers — Do you think your home is listed at the right price? Are you getting a lot of interest from home buyers? How long has your home been on the market — and is it being marketed in a variety of ways?

Are you being treated the same as your realtor’s other clients?
Maybe you’re not the biggest deal they have going, or maybe you’re not their top priority. Are they spending enough time on helping you?

You deserve someone working for you who has your best interests at heart. Someone who wants to get your deal done quickly, efficiently and with your budget in mind.

I truly hope that you work with a great REALTOR®, and that you never have to ask yourself these questions. But if you do, I also hope you are able to take a good look at your relationship with them and make the right decision for you.

My client’s satisfaction is my top priority. If you’re looking to buy, sell or lease, let’s get started right away. Contact me at 267.566.3448 or email me at shannon.rubin1@gmail.com today!

 

© 2012 by Shannon Rubin.

Odd Logic: 5 Reasons to SELL Your Home During The Holidays

During the holiday season, most people are focused on buying things. (Hopefully, you and your bank account survived Black Friday!)

And usually, it’s about cleaning up and fixing up your house and making it look nice for visiting family and friends.

So it might not sound logical, but I’m going to make an odd recommendation:
Consider selling your home during the holidays.

Here are five reasons why:

1) Someone who’s looking to buy in December is probably serious. If they’re looking during the holidays, they don’t want to waste time — and they probably know exactly what they want. This is what we call a “motivated buyer” and they are great to deal with!

2) Your home looks better during the holidays. Whether you go all-out with holiday decorations or not, even a nice wreath or some winter plants can give your home some extra curb appeal. And your neighbors will probably decorate for the holidays, making the whole neighborhood look attractive.

3) Homebuyers can get a last-minute tax break. Just before the year ends, someone who buys a home can take advantage of homebuyer tax credits — and benefit when they file their 2012 taxes in a few months. For more tax information, visit the IRS site.

4) Time off from work means time to house-hunt. Between holidays and vacation time, potential homebuyers can go house-shopping on weekdays when they would normally be at work.

5) The housing market will be busier in January. Lots of homes go on the market in January because people are busy with the holidays and “waiting for the new year.” For those reasons, your home might sit on the market longer because there’s more choices available for house-hunters.

So if you’ve been thinking about putting your home on the market, now is actually a great time!

And if you’re looking for a friendly, honest and knowledgeable REALTOR®, contact me at 267.566.3448 or email me at shannon.rubin1@gmail.com right now!

 

© 2012 by Shannon Rubin.