Home Buying

Some information for you.

  • Real State Titles Explained
  • First-Time Home Buyer's Guide
  • Getting Ready to Buy You House
  • Choose Your Home
  • Choose Your Lender/Bank

Real Estate Titles Explained: Agent,Broker, REALTOR®

If you're entering the real estate market for the first time, you may find real estate professionals' various titles a little confusing. Sometimes consumers use these titles interchangeably, but there are some important diferences between the roles of the various professionals, as well as different requirements for using particulartitles.

Titles for Real Estate Professionals

The rel estate profession is regulated by state govermments, which have different requirements for earning a license. In general, though, the titles you may come across include:

  • Real estate Agent:

    Anyone who earns a real estate license can be called a real estate agent, whether that license is as a sales professional, an associate broker or a broker. State requirements vary, but in all states you must take a minimum number of classes and pass a test to earn your license.

  • REALTOR®:

    A real estate agent who is a member of the National Association of REALTORS®, which means that he or she must uphold the standards of the association and its code of ethics.

  • Real estate Broker:

    A person who has taken education beyond the agent level as required by state laws and has passed a broker's license exam. Brokers can work alone or they can hire agents to work for them.

  • Real estate Salesperson:

    Another name for real estate agent.

  • Real estate Associate Broker:

    Someone who has taken additional education classes and earned a broker's license but chooses to work under the management of a broker.

First-Time Home Buyer's Guide

  • Review your credit History score either by yourself or by a loan officer that can help you at your regular ban from a lender mortgages intitution.

  • Plan how much mortgage payment you can afford. Carefully reiew your income, your expenses to find th real amount you can pay in your mortgage payment.

  • Save or plan ahead for your down payment and cash reserves; some lenders might require it, some not; but it is healthy for the family finnancial adjustment.

  • Find the loan officer and realtor; that you can trust and be comfortable working with; be up front with people yo find difficult to come along in this type of investment.

  • Choose the house, with amenities, features and area that you've always been dreaming of; and most of all one that you can afford.

  • Be prepared to work step by step with your lender and realtor.


    • Remember each single case has its unique process; unique as you can imagine, but what matters most is to "accomplish your goal".


    For more information feel free to contact me at you convenience.

    Getting Ready to Buy You House

    Buying a house is a big step in the life of any person; therefore, I suggest te following topics to consider in case them would be useful in your particular situation.

    • Get information regarding a loan mortgage from two but no more than three sources, just for you to understand better what direction you will go.
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    • Disclose to any agent ot loan from your intention of getting information to buy a house if they are willing to assit you.
    • Check if one of those interviewed professionals is the one that will work with you.
    • As your realtor about the process and time duration that will tae your particular case; to do all the moving arraignment in advance to your new house, avoid last minute events.
      Itmight be more expensive for you!
    • Take note about questions, related to the purchase of your home, to as them to your agent later. He will find and redirect you to the right person to help you better.
    • Start the process with confidence. Get in touch with your loan officer, obtain your pre-qualification letter from him, then see your realtor.

    Choose Your Home

    Choosing a home is a big challenge, specially if the buyer is married, but if yo agreed in basic features, you will avoid future headaches or complains. Therefore, here i the list of general questions for your cosideration.

    • Size of the house.
    • Size of the lot.
    • Location
    • Schools
    • Shops and market accesibility.
    • Type of roof design.
    • Pool
    • Distance from current jobs or schools.
    • Property conditions.

    Choose Your Lender/Bank

    Hope you will find interesting the following information, please check his out:

    • Type of loan, fixed or ARM (Adjustable Rate Mortgage)
    • Higher or lower interest rate. What favors provide such difference?
    • 30 or 15 years financing. What is most convenient?
    • PNI or not PMI, How does it work?
    • FHA,VA, Conventional, Jumbo. What should the buyer qualify for?
    • Impound or not Impound Account. What is better?
    • Loans without Closing cost ot no money out from your packet. What do they mean by that?
    • There are many lenders, programs and opportnities to buy a house. Which one does the buyer qualify better?
    • Buying a house with TIN number. How does it work?
    • Refinancing advantage. What is the high benefit?
    • Interest rate in second homes and investments. Are they the same?

      • You might have more questions in the financing industry, please note all of them nd as your lender.

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