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FAQs
Answers to Your Top Real Estate Queries with Desy
Why should I buy a home with a realtor (MyAgentDesy) when I can try by myself?
Without professional guidance, you could overlook important disclosures, misunderstand terms, or fail to protect your interests, which could lead to disputes or potential lawsuits down the line. As your realtor i can help you avoid these pitfalls and ensure a smoother, more secure transaction.
Can I build equity with a condo?
Yes, you can build equity with a condo. Equity is the part of the condo you actually own. As you pay down your mortgage and if the value of your condo goes up, your equity increases, meaning you own more of it.
How can I start building credit?
Get a secured credit card: This requires a deposit that acts as your credit limit. Become an authorized user: Have a parent or trusted adult add you to their credit card account. Pay bills on time: Paying things like rent or cell phone bills on time can help your credit. Take out a small loan: A student loan or a small personal loan can help build credit when paid back on time.
What are the biggest tips you give to First Time Home Buyers?
Get pre-approved for a mortgage before you start house hunting! This helps you understand how much you can afford, shows sellers you’re serious, and can make the buying process smoother. Additionally, it’s wise to stick to your budget and avoid overspending. I work with a amazing loan officer and lender! To make this process easier for you!
What are the hidden costs involved in buying a home?
Closing Costs (2% to 5% of the home price)
Property Taxes(Varies by location; typically 1% to 2% of home value annually )
Homeowners Insurance ($800 to $1,500.)
Private Mortgage Insurance (PMI)Home ( 0.3% to 1.5% of the original loan amount annually)
Inspection Fees ($300 and $500.)
Repairs and Maintenance ($200 to $400 depending on the area)Utilities
Homeowners Association (HOA) ( $100 to $500 or more)
Fees Moving Costs ($500 and $2,000,)