Can You Afford To Buy A House?

Save Money - Buy a Home From Me

Buying a home in the Jacksonville, NC market can be very simple if you are prepared with the knowledge of the process and costs that will be coming your way throughout the journey.  Read below for money that will be needed and the steps to buying your new home!

First off, I want to let you know how I would represent you in the purchase of your new home:
I will be able to show you ANY homes, new or resale, no matter who the listing broker is.  If you see a home advertised in the newspaper, or if you drive by a home that is of interest to you, please call me!  If you visit an Open House or a New Home Community, please tell the seller’s agent in the home that I am representing you.  Remember, home information is always available to me, even if my company isn’t the one listing it.  The listing agent/broker represents the seller, so if you call them for information or to get a showing on their property, they will be trying to get the most money for their seller from you.  Whereas, I work solely for you and look out for the best deal for my home buyers.

First StepGet Preapproved with a mortgage lender.  This is VERY important because you want to make sure you can afford the house you eventually will want to make an offer on.  This will prevent you from becoming disappointed later.  I have a few VA, FHA, etc., mortgage lenders I recommend with LOW fees, rates, and NO application fee.  My lenders can beat anyone around.  They love the challenge and making their clients happy as much as I do!

If you are wanting to purchase your home using your VA benefits, you will not need a down payment, and you will probably pay very little in closing costs, thanks to my negotiating skills.  However, there are other fees to expect upfront:

  1. Appraisal Fee – collected about 1 – 2 weeks after an offer is accepted.  $400
  2. Earnest Money Deposit Or Due Diligence Money – general rule of thumb is if the contract price is under $200,000, estimate $500.00.  If the contract price is between $200,000 – $300,000, estimate $1,000.00.  These are “deposits,” meaning there are certain guidelines to receive them back at closing.
  3. Home Owners Insurance – depending on which company you choose, you may have to pay your wind and hail policy prior to closing.
  4. Home Inspection – depending on size of home, estimate between $180 – $250.  I offer one FREE home inspection to my clients.  You must ask me about the offer to get it!!

Once we find you your dream home, an offer needs to be made either verbally (just to start out) or in writing and presented to the seller’s agent.  From there, the seller’s have 3 options:

  1. Accept the offer
  2. Reject the offer
  3. Make a counter offer

Typically, VA closing takes about 30 days from acceptance of the offer.  Once we have accepted offer, we will start scheduling inspections, the appraisal, and get you started submitted documents to the lender for your loan package.

I will be with you every step of the way, from contract to the closing table.  I hope we can start looking at homes soon!  You can call, or text me at 910-545-2689.  Or email me at CampLejeuneRealtor@gmail.com.  I have a two hour return call policy, so I will get you called back very quickly in the event you have to leave a voicemail.

To get you started, here are some neighborhoods for new construction to check out:

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