Lehigh Valley Real Estate - Tips 4 Homeowners, Buyers & Agents

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Allentown, PA Home Buying Video Series: Getting a Mortgage to Buy a home, The Key Elements

Hello and Thank you for visiting my Vlog (Video Blog)

I hope you find this Vlog helpful, This video introduces a partner in my business who I have trusted for many years....Melissa Falcone, a Mortgage Consultant with Allied Home Mortgage in Allentown, Pennsylvania.

Getting a Mortgage for a home is of course part of the process of buying a home.  Melissa explains the Key Elements to a Mortgage in the video below.

 

 

 

 

Other Online resources

Email Moriah for Personalized Home Buying Help

Learn everything you need to know about Credit - www.MyFico.com

Lender Checklist: What You Need for a Mortgage

Loan Types to Consider

We hope this information has helped you!

PLEASE REPORT TYPOS, comments and suggestions are welcomed and appreciated.

 

 

1 commentMoriah Martin - Lehigh Valley REALTOR® • September 29 2008 04:29PM

Lehigh Valley Real Estate & Homes - Seller's Assist, what is it?

Hello!  Thank you for visiting my blog! Recent Update 1-7-09: updated my video below.

This information is pertaining to helping Home Buyer's in Lehigh & Northampton Counties in PA only.

SELLER'S ASSIST! Very confusing in deed! BUT, the best thing since sliced bread when you need money to purchase a home. We are currently in a "Buyer's Market" which means that there are more homes on the market than buyer's and this is really good for the buyer.

In my experience, It has always been hard for the average person to come up with a 20% down payment and 6% closing costs to purchase a home.  IN MY EXPERIENCE It is VERY VERY rare that buyer's have a huge bank account with all kinds of savings...and loads of money to put down! 

So, again....maybe...there are Lot's of people like that in the Lehigh Valley area...but, I can only tell you on average about the buyer's I work with...I would say it is less than 25% of the Buyer's that I have worked with in the passed 10 years that have the "perfect" financial picture with loads of money that I helped purchase a home.

So, Seller's Assist has helped close to 50% of the people I have helped purchase a home in the Lehigh Valley Area...It is a useful tool...so, check out my video below and learn just a bit more.

 

Other online Resources to provide help in down payment and closing costs.

PA State Programs

Local Lehigh & Northampton County Information

Other online Home Buying Video Tutorials

I hope this information has helped you!

PLEASE REPORT TYPOS! comments and suggestions are welcomed and appreciated.

 

0 commentsMoriah Martin - Lehigh Valley REALTOR® • September 27 2008 12:08PM

Lehigh Valley Real Estate: Morals & Values in the Lehigh Valley Real Estate Business - What Commitments should look for?

As a Lehigh Valley Home buyer you should be asking yourself, What is really important to me when looking at Lehigh Valley Real Estate? When it comes down to it...you should be working with a Lehigh Valley Buyer Agent that gives you written commitments...let's be real for a min.  Morals and Values are everything when buying your Lehigh Valley Home.  So, the reason I am sharing this information with you.

I remember long, long ago well, it was not too long ago...only about 10 years...before I was in Lehigh Valley Real Estate and I was a "normal" consumer...I use to think..man oh man those sales people, all they want is to tell me what I want to hear and line their pockets with as much cash as possible...all they care about is selling me the most expensive item and they really do not care about what we need or want! 

I use to think...man oh man don't they know that I will tell everyone I know how they treated me?  I still see it all the time...no customer service,  no respect, no patience, what happened with the golden rule?  Do unto others as you would have them do onto you? I guess these types of people you run into from time to time are NOT in the looking for word of mouth referral business....The best kind of Advertising, In my book!

Our goal is to become your Lehigh Valley Real Estate Buyer Agent for LIFE!  Yes, that is a huge goal....because everything we do will need to prove to you that you will want us to stick around for Life!  So, what would it take to achieve a goal like this? 

Well, Think about what it ....What would you be looking for? 

I have come up with a We WILL & We WILL NOT list!  Most of these things have been developed by me with the consumer hat on....just sick and tired of the way most conduct business....I am breaking through all the Bologna and getting straight to the point...That is why I came up with these to Lists!

My goal is NOT to help EVERY Home Buyer who wants to purchase a home in the Lehigh Valley, just those who would like to cut through the bologna and only be provided services from the WE WILL LIST BELOW.

We will - TOP 10 (not in order of importance, as this is up to you)

1.       We will help you at YOUR Pace and YOUR Terms NOT ours.

2.       We will reply to all YOUR requests within 24 hours. IF NOT THE SAME DAY.

3.       We will walk you through every step of the home buying process by Video Tutorial for FREE.

4.       We will want to become your Buyer Agent for Life.

5.       We will give you a written list of Buyer Agent Services you can count on.

6.       We will give you any and all  information you need to purchase a home

7.       We will represent ONLY Buyers.

8.       We will listen to YOUR goals and develop a plan to help you achieve them.

9.       We will give you the POWER to make YOUR own decisions.

10.   We will be HONEST with you ALL THE TIME.

 We will NOT- TOP 10 (Not in order of importance, as you must decide this)

1) We will NOT show you homes that DO NOT fit your needs.

2) We will NOT spam you.

3) We will NOT give out your personal information.

4) We will NOT force you to register on our site to get FREE information.

5) We will NOT tell you what you want to hear.

6) We will NOT tell you that we will call you ASAP or return your call ASAP! (we will give you a time)

7) We will NOT try and convince you to purchase a home over your price range.

8) We will NOT take the easy way out.

9) We will NOT pass the buck, EVER!

10) We will NOT lie to you to get what we want.

I hope this information has helped you get to know more about who we are and what we believe in...or at the very least gets you thinking about what kind of people you would like to work with in the purchase of your next Lehigh Vally Home for sale.

Copyright © 2009 Moriah Martin RE/MAX real estate All Rights Reserved *Lehigh Valley Real Estate: Morals & Values in the Lehigh Valley Real Estate Business - What Commitments should look for?

3 commentsMoriah Martin - Lehigh Valley REALTOR® • September 27 2008 07:53AM

Lehigh Valley Real Estate & Homes - Making An offer on a Home, What to consider

Lehigh Valley Real Estate can be very complicated and if you do not have the right guidance when Buying a Lehigh Valley Home the experience can be very frustrating and you may feel like you are not in control. That is the worst feeling, as you are the boss! You are the one paying for the home, Right?! Well..

The following information will help you learn about the important points of making an offer on a Lehigh Valley home.   

This discussion of the Agreement of Sale actually covers the entire state of Pa, but I only service the Lehigh Valley Real Estate area and I do not know what other markets are like or what should be covered in those areas.

Okay, there are so many things you will need to consider when just thinking about making an offer on a home in the Lehigh Valley.  So, what I am doing trying to do is keep things as simple as possible by taking small pieces at a time...and only talk about areas in the Agreement of sale that you will need to make decisions on. I hope that makes sense!

I feel it is better to become familar with these topics BEFORE you get to the table to sign an offer on a Lehigh Valley Home.

Let's beginning with What things you should consider.

 

It might be helpful to some Lehigh Valley Real Estate Home Buyers to View the PA Agreement of Sale.

Copyright © 2009 Moriah Martin RE/MAX real estate All Rights Reserved *Lehigh Valley Real Estate & Homes -  Making An offer on a Home, What to consider*

0 commentsMoriah Martin - Lehigh Valley REALTOR® • September 18 2008 12:45PM

Lehigh Valley Real Estate & Homes - Credit Basics, What effects my score?

Hello there and Thank you for visiting my blog!

Have you heard the news? Your Credit is being used for not only buying a home, car, getting credit from your local department store or your major credit cards...but, even sometimes...employer's are pulling your credit as part of the application process!

So, What the heck do you need to do to keep your credit in line?  Where do you start?  Credit is a very complex issue and there is all kinds of FREE education out there...This video is meant to give you a start in understand the basics of Credit and what effects your score...take a look and then see some additional resources below.

 

 

 

Additional Home Buying Video's: www.MyHomeHunter.TV

Email Me for personalized Service.

Additional online Resources to help research about Credit

100's of Articles on Credit: www.MyFico.com

5 Factors that decide your credit Score

What can you do to improve your credit

I hope this information has helped you!

PLEASE REPORT TYPOS, Comments and Suggestions welcomed and appreciated

 

2 commentsMoriah Martin - Lehigh Valley REALTOR® • September 18 2008 11:18AM

Lehigh Valley Real Estate & Homes - Buyer Agent Real Estate Services, FREE??!!

Hello there and thank you for visiting my Blog!

So, are you thinking about Buying a Home in the future? There are many questions that may come up concerning this life changing event.  But, the very first step is to have someone who represents you in the entire transaction....somone who is going to walk with you through the entire process step by step at YOUR PACE!

Most people I talk to are not familar with the type of Services you can get from a Buyer's Agent...That's me...I only work with Buyer's!  Also, How do I get paid?  Well....let's take a look at the video below and let me explain how it works!

 

Other Links that might interest you in the Home Buying Process

More Home Buying Video's: www.MyHomeHunter.TV

Email Me to help you personally.

More Online Resources

10 ways to prepare for Homeownership

Why should you work with a REALTOR®

7 Reasons to Own your own Home

I hope this information has helped you.

PLEASE REPORT TYPOS, Comments & Suggestions are always welcomed and appreciated.

 

2 commentsMoriah Martin - Lehigh Valley REALTOR® • September 18 2008 10:57AM