Home Buying Made Easy

Happy Home Buyers

Finding the perfect home can be challenging, especially if you're not sure where to begin. Once you've secured financing, you'll have a clearer understanding of the price range to explore. However, don't stop there—many other factors should be considered to ensure you find a home that truly suits your needs.

Start by assessing your family's size and lifestyle. How much space do you need now, and will you need more in the future? Think about the neighborhoods that appeal to you—are they close to work, shopping, or parks? If you have children or plan to in the future, the quality of local school districts might be a priority. It's also essential to consider your long-term financial picture—what can you comfortably afford without stretching your budget too thin?

In addition to these considerations, selecting the right real estate company to represent you is crucial in making the home-buying process smooth and successful.

Here are a few tips to guide you:

Research the Company's Reputation: Look for a real estate firm with a strong track record and positive client reviews. A company with a solid reputation in the community is likely to provide reliable service and valuable market insights.
Evaluate Their Local Knowledge: Choose a real estate company that knows the area well. Local expertise is key in finding the best neighborhoods and understanding market trends that could impact your purchase.
Check Their Experience with Similar Transactions: If you're buying a particular type of property, such as a historic home or a new construction, ensure the real estate company has experience with similar transactions. Specialized knowledge can make a big difference in navigating potential challenges.
Consider Their Communication Style: The home-buying process can be stressful, so it's important to work with a real estate agent who communicates clearly and frequently. Choose a company that prioritizes keeping you informed and responds promptly to your questions.
Assess Their Support Network: A good real estate company has a network of professionals—like mortgage brokers, inspectors, and attorneys—that they can recommend. This network can help streamline the buying process and provide you with trusted resources.
Look for Personalized Service: Your home-buying journey is unique, so you deserve a real estate agent who takes the time to understand your specific needs and preferences. A company that offers personalized service will go the extra mile to help you find the right home.

Campagna Real Estate helps make this process easy for you! We’re dedicated to guiding you every step of the way, ensuring that your home-buying experience is as smooth and enjoyable as possible.

Looking to BUY a home?

Check out our property search below. When you find the one you like just sign up and a member of our team will reach out to help. You can also click the button above to search all of the current open houses, building a home, our homes for sale, and complete property search. Below is the list of the NEWEST property listings.

SEE THE NEWEST REAL ESTATE LISTINGS FOR SALE

FAQs

Frequently Asked Questions When Buying A Home

I’m a First Time homebuyer. Where do I start?

The first step is to get pre-qualified. We are in a competitive market and a pre-qualification letter shows you are a serious buyer.

How much do I need for down payment on a house?

Conventional mortgages, like a 30 year fixed rate mortgage, usually require at least a 5% down payment. For a government backed mortgage, like an FHA mortgage, the minimum down payment 3.5%. There are also down payment assistance and grant programs that can help you pay closing costs. Contact us to find out more about down payment programs.

What is the best time to buy a house?

The best time to buy a home is often late summer and early fall. There tends to be less competition than the peak market time of Spring and Summer, but still have plenty of inventory options to choose from.

What is the average cost of a home?

Home prices are driven by location, condition and amenity. The median home price for Dallas County is $280,000 in Q4 2020. The median home price for Collin County $364,900 in Q4 2020. Information provided by MetroTex Board of Realtors. What’s my monthly payment cover?

A mortgage payment is comprised of PITI. The (P) is the Principal amount that pays down your outstanding loan amount. The (I) is the Interest payment, which is the cost of borrowing money. The (T) is your estimated monthly contribution towards your annual property taxes. And (I) is the Insurance payment which can consist of Homeowner’s Insurance and / or Mortgage Insurance.

Are there any programs that cover the full down payment?

See question “How much do I need for a down payment”

How much cash do I need on hand if my offer is accepted?

A mortgage lender will be able to assist you with the down payment requirements and closing costs. However, you will also need to have funds available for Earnest Money, Option Fee, Home Inspection costs. Call us if you want to find out more.

Who pays Realtor fees?

While it is always negotiable, it is common in our market for a seller to pay a Realtor’s commission fees.

What happens to our earnest money if the deal falls through?

The sales contract will outline what happens to the Earnest Money if the deal falls through. If a contract is terminated within the option period, the Earnest Money is generally refundable to the buyer.

Should I consider foreclosure properties?

Foreclosures are often a good opportunity for experienced investors. When buying at the courthouse steps, or auction properties, a buyer does not have the same opportunity to view and inspect. It can be a more risky purchase.

Can I make renovations or remodel with a mortgage?

Yes! There are specific loan programs available for home buyers who would like to renovate after closing, before they move in. There are specific guidelines that need to be followed. Contact us for a referral to a mortgage lender who specializes in renovation loans.

Do homes come with everything like appliances and blinds?

These items are often negotiable. Even if they are not specifically listed as an exclusion in the real estate listing, you will want to be sure you have a non-realty items addendum. Ask your Realtor about this!