AtHomeCharlotte                TakeMeOutToTheBallgame!                 GotAlottaCharlotte            MVP 
                                                                  Charlotte Real Estate Information                                         "It's A Whole New Ballgame"
AtHomeCharlotte                TakeMeOutToTheBallgame!                 GotAlottaCharlotte            MVP 
                                                                  Charlotte Real Estate Information                                         "It's A Whole New Ballgame"
Credit
For Sale
1st   
Disclosure
5th 
Broker
Internet
6th 
Market
Offer/DDP
7th 
Negotiations
Appraisal
8th 
Appraisal
Closing
9th 
Closing
Planning
2nd 
Loans
Clearing
3rd 
Planning
Appeal
4th 
Knowns
Buyer
 Innings
Seller
Buyer Credit.
Credit
For Sale
1st   
Disclosure
5th 
Broker
Internet
6th 
Market
Offer/DDP
7th 
Negotiations
Appraisal
8th 
Appraisal
Closing
9th 
Closing
Planning
2nd 
Loans
Clearing
3rd 
Planning
Appeal
4th 
Knowns
Buyer
 Innings
Seller
Credit
For Sale
1st   
Disclosure
5th 
Broker
Internet
6th 
Market
Offer/DDP
7th 
Negotiations
Appraisal
8th 
Appraisal
Closing
9th 
Closing
Planning
2nd 
Loans
Clearing
3rd 
Planning
Appeal
4th 
Knowns
Buyer
 Innings
Seller
1st   
5th 
6th 
7th 
8th 
9th 
2nd 
3rd 
4th 
Buyer
 Innings
Seller
Buyer-First Inning - Credit

Pitch 1 - Renting
Sometimes it’s better to rent before purchasing. These times include: when you are not sure about the area you want to call home or the job you just started, and the real estate market and current interest rates. Sometimes you may need time to save more for a down payment or repair a credit problem. The answer to home ownership is
 "Yes, you can."  

Pitch 2 - Debt Ratio

When it is time to think about a home, a car and some nice 
electronics, always put the house first. Those debts 
(unless you pay cash) may throw your ratios out of whack 
and you may have to wait on the house. And if you are thinking about quitting or changing jobs, talk to your broker first.

Pitch 3 - Coupleship

Buying a house together…or buying a house separately. 
Check out the qualifications for first time home buyers because your money may go further if one of you buys before you marry. 
Marriage changes the rules and also the ownership of the house.
Consider carefully anytime you sign your name for a loan, 
have a home put in your name( as with aging parents) and ask the important questions up front: How will this move affect your capabilities down the road...and ask more than one person.


Coach's Tips

  • City Within A City Studies

  • Real Estate Q and A

  • Mortgage Calculator
Pinch Hitters

            The Free Lunch

 Even if you happen upon the deal of a lifetime, always make sure you can get out as easily as you can get in.

            The Ranking 

 Be cautious about your first time homeowner ranking. It can bring you a lower interest rate and sometimes down payment assistance.

            The Totals

 When figuring a monthly payment make sure it includes everything: taxes, insurance, mortgage insurance premium. Everything. In the case of attached housing, be sure of home owners dues and assessments, in place or pending. 




ANGEL ADVOCATE 1
You just graduated from college where you majored in computer science.
You landed a job with Big Bank in Information Management and start right after graduation.
Prospects as a new graduate for a mortgage are?
Excellent: Your job is in your major.
Angel Advocate 2
In checking your credit, your file revealed a repossessed car that is in the same name as yours, but not your car. Your prospects
 for a mortgage are ?  
This is easily cleared up.
Check your credit report before you find the house...
and even before you start looking.
Angel Advocate 3
For your down payment, you plan to borrow 
from your 401K or IRA.Your prospects for 
a mortgage are?

 Borrowing from these funds is generally approved.
Good thinking!
Learn More from your Angel Advocate
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