You’re Ready to Buy a Home, Now What?

You’re Ready to Buy a Home, Now What?

Have you found yourself browsing Zillow a lot more frequently lately? You have your filters just the way you like them, and you’re falling in love with some of the homes you’re seeing – the good news is that the conditions shouldn’t change too much this year.

We’ve reached out to some of our favorite real estate agent professionals, and they’ve confirmed that the market won’t be as frenzied as it was in 2021, and the crazy multiple-offer days will start to die off.

“There’s no expectation that prices will fall, but our forecast suggests that price appreciation will slow,” said Doug Duncan, senior vice president and chief economist at Fannie Mae. 

You’re Ready to Buy a Home. Now What?

Whether you are a first-time buyer or a previous homeowner, when you’re ready to buy, there are some important steps you should when purchasing your home. Even though prices and interest rates are on the rise, it’s still a great time to buy! As a women-run company, our experts at The Piccinini Team want to help you buy the home of your dreams – where we take on the hard work, so stress isn’t part of the buying process for you. We are a group of dedicated professionals with the motivation to get you the best mortgage rates. We’re located in Reno, Nevada, but licensed in nearly every state – you can call or visit us today to get started! Buying a home doesn’t have to be drab or even scary. At least, not with The Piccinini Team.

Although the housing market is forever fluctuating and we can never truly predict the ups and downs, we truly believe NOW is the best time to find the right home for your family. There’s less competition when the markets are down, so you have more time to decide. If you aren’t prepared to pay for your home in cash, you’ll need a mortgage lender – which is where we come in! With over 675 Five Star Reviews online, we promise you’re in great hands.

What We Do for You

We offer 10 different loans, which can all be found our website. Some loans include VA loans, 15-year Fixed mortgages, FHA loans, and USDA loans. We will match you with the right loan for your needs. How do we figure out which loan you qualify for? We assess your income and credit history to get the right interest rate for your budget. Yes, we do all the heavy lifting for you! 

What Can You Afford?

If you want to make plans for your loan, you can use one of the four calculators on our website to calculate your loan payments. We have a refinance calculator, mortgage calculator, home price calculator, and amortization calculator. These are just rough estimates, though. If you want an accurate number, just hop on the phone and give us a quick call. We’ll match you with the right loan in a matter of minutes!

Interest Rates

Current interest rates on our loans vary anywhere from 2.625% to 3.857%. You qualify for interest rates based on your credit history and current income. If you’re in good credit standing (your credit score is over 650) and you have a steady income and can afford the payments, you should be approved with no issues. 

Pre Approval

Some loans, like the 30 and 15-year mortgages, require pre approval. What is pre approval? This is when we run your credit first to determine if you’re serious about buying a home (which, you obviously are, which is why you’ve contacted us!). Pre approval can accelerate the closing process, too. Pre approval will make your home buying experience much more enjoyable!

Ready to Start the Process?

Now that you know what we do, we want to know how we can help you. Please contact us today to share more about the home you want. We’ll get you approved for a loan in no time, and one step closer to buying the home of your dreams.

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