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Jacksonville NC Home Buyers FAQ's

Answering Your Jacksonville NC and Camp Lejeune Home Buying Questions

Buying a home in Jacksonville, N.C can be both thrilling and a bit unsettling, especially if you’re a first time home buyer.

Both first time home buyers and experience home buyers alike will benefit from the frequently asked questions below.

Before you begin your Jacksonville NC and Camp Lejeune home search, it is recommended that you prepare yourself for the journey by educating yourself. This will ensure you are a knowledgeable home buyer and prepared to make a confident home buyer decision.

Q- I’ve never purchased a home before. Where should I begin?

A- Actually, you’ve already started the process. Fact finding and reading articles are a great way to become a smart consumer. The highest priorities to focus on before you begin searching for specific areas, neighborhoods, or homes in the Jacksonville NC- Camp Lejeune area would be to:

  •   Familiarize yourself with your personal finances.
  •   Learn about the  Jacksonville NC real estate market
  •   Carefully review your budget and begin to eliminate as much debt as possible.
  •   Have a down payment and earnest money ready when the time comes to act and make your offer.

Your next step is to contact us. As your home buying specialists, we'll protect your interest and manage the details of the real estate transaction on your behalf to your complete satisfaction.

For more experienced buyers, a little brush up on the real estate process wouldn't be a bad idea. Of course, you'll need a really sharp Jacksonville, NC real estate team to protect your interests too!

Q - With all the bad news about mortgage products and home foreclosures, how do I avoid making a big mistake when deciding which type of loan to select?

A - Once we meet and review your finances along with your home buying needs, you should select a lending consultant. We can recommend several trusted lending professionals or you can choose your own.

Having upmost confidence in your lender is important. Be sure you feel completely at ease with them. They should speak to you in easy to understand terms.

 Ask lots of questions and NEVER sign any document until you know what you are signing and feel completely at ease signing it. More and more lending professionals are recommending fixed interest rate loans and interest rates are still very attractive. Of course, the type of loan best for you depends on several factors. Here are just a few:

  •  How much money do you have for a down payment?
  •  How long do you plan to live in the home?
  •  Do you qualify for a FHA or VA loan?

Q-Why should I buy, instead of rent?

A- A home is an investment and renting is money that is gone forever. As oppose to you buying your own home, you can deduct the cost of your mortgage loan interest from your federal income taxes and usually from your state taxes. This will SAVE you a lot each year because the interest you pay will make up most of your monthly payment for the term period of your mortgage. Not to mention the value of your home may go up over the years. Ultimately you will enjoy having something that is all your own.

Q- Can I become a homebuyer even if I have bad credit and don’t have much for a down payment?

A- Credit does play a role in your eligibility however we do have several different options available for loans. First is to get a pre-approval, Alpha Mortgage can help assist with which approach would be best for your family. There are FHA, Conventional and VA loan opportunities available.  FHA loans requirements are

Because more homes are on the market here in the Jacksonville NC and Camp Lejeune area, your choices are plentiful and the time is right for you to buy

 

Let's Get Started!

Are you ready to schedule your home buying consultation?  If so, contact us today and together we will review your needs and your budget to help you find the right Jacksonville NC - Camp Lejeune home for you!

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