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  • Ways to be a better home buyer

  • Unless you’ve been hiding under a rock for the past few years (no judgment here, we wouldn’t blame you) you’ve seen the headlines and you have heard the chatter surrounding the current housing market. This market is a tough one and the competition is heavy. We’ve laid out the ways you as a buyer can be better in more ways than one!

    1. Be Aware
      Buying a home in this market requires a bit of understanding. It’s important to know what to expect and how to best succeed in securing your next home. It’s very clearly a seller’s market. In short, there are more buyers looking to buy homes than there are homes available for sale. Buyers can expect to compete for their desired home, pay more than list price and present a contract that favors the seller. Knowing what to expect can help you gauge expectations!
    2. Be Prepared
      Since you know what you’re in for, this step may seem obvious. You also need to know exactly how much you can afford. Getting an upfront pre-approval with a credible lender like Cambria Mortgage is absolutely crucial. Knowing how far you can stretch your budget will help you to make sure you are looking at homes that allow for some wiggle room in the dollar amount of your purchase offer should a bidding war arise. Taking this step will allow you to submit an offer confidently and without delay.
    3. Be Smart, Work With a Realtor
      So, you know what to expect and you’ve taken the steps to get prepared… Now what? It’s more important than ever that you have a professional on your side. Yep, we’re referencing Realtors. A Realtor will help you find homes in your desired neighborhood, guide you in making sound decisions, assist you in negotiations and so much more! Having a professional on your side can make all the difference, especially today.
    4. Be Organized
      Before you are out and about looking at homes with your Realtor, make sure you are being selective with your choice in prospective properties. In this market especially, there’s no time to waste. You will want to make sure you keep everything straight while on the hunt for a new home, too; be sure to write down the key features of each house and why you wanted to see them. Price, square footage, number of bedrooms and bathrooms, school district and days on the market are good factors to keep in mind while walking through. Take notes while you tour and always have a clear action plan in mind!
    5. Be Tech Savvy
      It is important to embrace technology to keep the process moving along quickly! With the Cambria Mortgage Mobile App borrowers can apply for a home loan in as little as five️ minutes; scan and upload docs securely with their phone’s camera; receive push notifications to stay on top of their loan; explore different loan scenarios using the built in calculators; and easily connect with their Mortgage Consultant and Realtor! We’re proud to offer the tools and technology that allow us to make the home buying and financing process simple and fast. Available for iOS and Android mobile devices, clients can download the Cambria Mortgage Mobile App by searching “Cambria Mortgage Mobile App” in the app store or by clicking this link.

    Reading this article already puts you miles ahead of your competition. You’re in the right place and taking the right steps. But don’t stop here, be sure to connect with a Cambria Mortgage professional to talk more in-depth about your options today: (651) 552-3681.  We look forward to assisting you!

    Cambria Mortgage lends in Wisconsin, Minnesota, Iowa, North Dakota, and South Dakota. For faster service, complete the free no obligation online Loan Application.

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