Category Archives: Home Buyer Tips

NAR CASE – Why Buyer’s Agent Representation Is So Important

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& What Great Real Estate Agents Do to Get You into the Home You Love!

Dear Home Buyers,

In today’s dynamic real estate market, the role of a buyer’s agent is more pivotal than ever. The recent NAR Settlement has ushered in significant changes that can benefit you, the home buyer, in numerous ways.

With over two decades of experience in the industry, I’ve had the privilege of working with some of the industry’s finest. I wouldn’t dream of entering negotiations with a seller or listing agent without my own representation. Your agent is not merely a facilitator; they are an indispensable part of your home buying team. Their knowledge and expertise can guide you through the intricacies of the market and secure the best deal for you. The key takeaway is this: partnering with a buyer’s agent can save you money and streamline your home buying journey.

The attached flyer offers just a glimpse of what the best agents do! In the past, they performed these tasks behind the scenes to ensure a carefree and easy experience for the buyer. However, given the recent media coverage that fails to highlight the real work realtors do, this flyer will provide you with a clearer picture. Social media often falls short as an honest broker, so please don’t hesitate to call me for more information.

In a nutshell, enlisting the help of a buyer’s agent will tilt the odds in your favor. Happy house hunting!

The emotional security of owning your own home is immense! With home affordability coming down, buyers need all the help they can get and I would love to be a part of that journey with you – I am here to serve! Text, call, or email me for more details @ 916-257-1470 @ dtharp@guildmortgage.net

Download Flyer Here!

The above information is for educational purposes only. All information, loan programs, and interest rates are subject to change without notice. All loans are subject to underwriter approval. Terms and conditions apply. Always consult an accountant or tax advisor for full eligibility requirements on tax deductions.

A GIFT to Homebuyers! Get Closer to Home with Guild’s 3-2-1 Home Plus Program!

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3-2-1 Home Plus Program
If you’re a first-time homebuyer with a low-to-moderate income, 3-2-1 Home Plus provides down payment flexibility to get you into a home now.
* You bring a 3% down payment
* We give you a $2,000 eGift Card to The Home Depot®*
* Plus, $500 to $1,500 toward closing**
 
BONUS – An additional advantage is that you can keep your options open and consider homes with minor repair or improvement needs. With 3-2-1 Home Plus, the $2,000 eGift card to The Home Depot® gives you peace of mind knowing you have extra resources to put toward minor repairs or improvements without tapping into your cash reserves.

The emotional security of owning your own home is immense! With home affordability coming down, buyers need all the help they can get. Now, you can add peace of mind with Guild’s 3-2-1 programs. Let’s Talk! Text, call, or email me for more details @ 916-257-1470 @ dtharp@guildmortgage.net

Gift Card and Credits
Download Flyer Here!

The above information is for educational purposes only. All information, loan programs, and interest rates are subject to change without notice. All loans are subject to underwriter approval. Terms and conditions apply. Always consult an accountant or tax advisor for full eligibility requirements on tax deductions.

*For 3-2-1 Home Plus program full terms and conditions, visit 3-2-1 Home Plus Program | 3% Down Payment | Guild Mortgage

A GIFT to Homebuyers! Guild’s Payment Advantage program lowers the buyer’s rate by 1% for their first year on us!

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Payment Advantage is a Conventional loan for homebuyers wanting to save on their payments now as rates continue to rise. For eligible homebuyers, Payment Advantage will lower your payment for the first year by paying 1% of your interest rate for year one of your mortgage.
 
BONUS – Loans locked on or before 3.31.2023 can be paired with Guild’s Payment Protection Program to be able to refinance once rates drop in the future with no lender fees.

The emotional security of owning your own home immense! With home values coming down, and sellers more apt to provide incentives, now you can add peace of mind with Guild’s new programs. Let’s Talk! Text, call, or email me for more details @ 916-257-1470 @ dtharp@guildmortgage.net

Download Flyer Here!

The above information is for educational purposes only. All information, loan programs, and interest rates are subject to change without notice. All loans are subject to underwriter approval. Terms and conditions apply. Always consult an accountant or tax advisor for full eligibility requirements on tax deductions.

*For Payment Protection Programs full terms and conditions, visit www.guildmortgage.com/homebuyer-protection

NEW!!! Help your Sellers sell their home FASTER by locking in the rate for your potential buyer.

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Rates are rising—let’s get your listing sold now! Our LockNow and Sell program takes the uncertainty out of homebuying.

Guild Mortgage’s LockNow and Sell program guarantees the interest rate for your listing even if rates continue to rise.

By the seller locking in a rate,* buyers can feel sure about their purchase—there’s no need to wait for rates to drop as their rate will not increase at the time of purchase. And if rates go down, the homebuyer can utilize a float-down option.
 
Here are the details:

Secure today’s rate on your seller’s property for 60 days*
Conventional, FHA, VA, or USDA financing is available, so the homebuyer can choose the financing that’s right for them**
The seller must commit to providing a 2% seller incentive to buydown the homebuyer’s interest rate

*$1,500 non-refundable upfront lock-in fee applies to secure the interest rate for the future of the homebuyer for 60 days. **Additional loan level price adjustments may apply based on credit score, occupancy, loan term, loan-to-value, or guideline requirements. A seller incentive of 2% of the final sales price is required to pay for the buydown costs or closing costs, whichever the homebuyer selects. For use by Real Estate Professionals only. Not intended for public use or distribution.

You get exclusive access to this program now. Text, call, or email me for more details @ 916-257-1470 @ dtharp@guildmortgage.net

Sell your listing FASTER and stand out from the crowd by offering a locked rate with your listing!
Download Flyer Here!

The above information is for educational purposes only. All information, loan programs, and interest rates are subject to change without notice. All loans are subject to underwriter approval. Terms and conditions apply. Always consult an accountant or tax advisor for full eligibility requirements on tax deductions. Consult the LockNow and Sell Program Guidelines for eligibility information and LockNow and Sell Agreement for full program terms. Subject to change without notice. A seller incentive of 2% of the final sales price is required to pay for the buydown costs or closing costs, whichever the homebuyer selects. For J.D. Power 2021 award information, visit jdpower.com/awards.

THE BEST TIME TO SELL YOUR HOME IS COMING SOON!

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If you are like many buyers and sellers, when you are in the moment of looking to purchase or thinking of selling your home, you all ask the same questions; Is now the right time to sell your home? Likewise, is this the right time to buy a home? My simple answer is, “the best time depends on your priorities, goals, and situation.”

When I started in this business almost 20 years ago, my ego sometimes got the best of me; I thought I knew it all and could foresee when rates would go up or down and how these changes would affect the housing market. I learned very quickly that I do not possess this superpower. I promptly changed my tune – my job is to guide my clients with the safest and most secure loan choices possible and let the historical data help build some consensus to formulate a plan or strategy to buy or sell.

With that said, it’s interesting to see what market professionals are saying is the best time to sell your home. If you have been on the fence waiting for the right time to sell, you might want to look at the data. According to Realtor. com®’s fourth annual Best Time To Sell report, the ideal time to list your home in Sacramento is the week of April 17. Because it possibly has the perfect balance of housing market conditions that favor home sellers, more so than any other week in the year.

Also, Money.com listed Elk Grove #4 on their list of best places in the country to sell a home in 2022. According to Realtor.com’s chief economist Danielle Hale, “Sellers listing in mid-April can expect to find relatively high buyer interest, coupled with limited competition from other sellers, that equates to fast-selling homes at top dollar,” she said in a recent news release. But, of course, market conditions are variable and not always the same for everyone, and the best time to list your home can change quickly.

If you think it’s time, here are three things you should do first:

#1) Find an experienced lender to secure financing to know your options and what you qualify for if you are thinking of buying a new home after you sell. It’s not just about getting a great interest rate; it’s also about working with a lender who will take the time to be sure you are in the right loan for your situation.

#2) Find a great Realtor to work with to list your home and possibly help you find another. I know some of the best in the business and would love to introduce you to one or two that work in your area.

#3) Layout your Game Plan with your agent and your lender. Once you have settled on your agent and lender, it is best to be open with your budget, dream neighborhood, and comfort level regarding the monthly payment and cash needed to close. This will help your team implement a strategy that will put you in the best position to win.

The above information is for educational purposes only. Guild Mortgage Company offers home financing only. All loans are subject to underwriter approval. Terms, conditions, and eligibility requirements apply.