Pats Perspective Home Buying Facts Vs Fears

Pats Perspective Home Buying Facts Vs Fears

Pat’s Perspective :  Home Buying – Facts vs. Fears 

 As a REALTOR in the Jacksonville and Beaches areas for more than 30 years, I’ve had a front row seat as to how the FEAR OF BUYING a NEW HOME can effect lives and create undue stress. I would like to address the most common of these fears, but have decided to use some words from the best REAL ESTATE EXPERT that I know, GARY KELLER.

FEAR  #1:  I can’t afford to buy a home now.

FACT:  Actually, you can’t afford not to buy a home.

The truth is, there is always a home you can afford to buy that will be a smart purchase for you. Rule of thumb – if you’re paying rent, you can buy. From a financial point of view, the tax savings on a mortgage interest alone usually make up most of the difference between rent and a mortgage payment. The sooner and more seriously you begin the process of buying a home, the sooner you’ll find the best buy for you and begin benefiting from building equity. We also help customers with new construction in new communities like Nocatee, Atlantic Beach Country Club and Tamaya.

FEAR #2:  I should wait until the real estate market gets better.

FACT:  There is never a wrong time to buy the right home.

 The REAL ESTATE MARKET in Jacksonville Beach, Atlantic Beach, Neptune Beach and the greater Jacksonville area is excellent ! Mortgage interest rates have risen only slightly over the past year, still making monthly payments more affordable than RENTING .  Your REALTOR can guide you by providing valuable information about market conditions and current home values. Buying REAL ESTATE in Jacksonville and the beaches tends to be much more stable and rewarding over time than any other type of investment.

FEAR #3:  I don’t have money for a down payment.

FACT:  There are a wide variety of down payment options available for you.

While many people believe that making a home purchase requires a substantial DOWN PAYMENT, this is seldom true.  Florida offers a FIRST TIME HOME BUYER program offering down payment assistance to those who qualify. Don’t let the lack of a substantial down payment prevent you from investigating your home-purchasing opportunities in Jacksonville, Florida!  

FEAR #4:  I can’t buy a home because my credit isn’t very good.

FACT:  A less-than-perfect credit score won’t necessarily prevent you from buying a home.

Typically, there are two types of credit challenges – a poor credit history or no history. First, while it’s valuable to have a good credit score, a poor one shouldn’t prevent you from talking to a local lender to explore your opportunities. Your REALTOR can recommend a reputable loan officer that will be able to help you resolve your credit challenges, or by refer you to a credit counselor.

FEAR #5:   I can’t afford to buy my dream home.

FACT:  The best way to get closer to buying your dream home is to buy your first home.

Very few people can afford to buy their dream home when they buy their first home. So you make compromises, buy your first home and start building equity. This approach takes you further and faster down the road to being able to own your dream home than if you hadn’t purchased a home at all.

FEAR #6:   Buying a home seems way too complicated.

FACT: Buying a home is way too complicated, but that’s why you have help.

No one would ever tell you that buying a home is easy. It’s not. That’s why the team of professional realtors at the “Life’s a Beach House Team” are ready to guide you through the home-buying process every step of the way. Let the experts make a complex process simple for you in Jacksonville, Florida! We can also help you buy/ sell your home in Jacksonville Beach, Atlantic Beach, Neptune Beach, Ponte Vedra, Ponte Vedra Beach and Nocatee! 

"Those who have the most fulfilling lives base their decisions on facts, not fears."

– Gary Keller

Eric Dreibelbis - REALTOR®

Pat Conrad - REALTOR ®


Keller Williams Realty Atlantic 
4116 South 3rd St
 Beach, Florida
(904)339-3084 Eric Cell 

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Phone: 904-545-5562
Dated: June 30th 2017
Views: 75
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Keller Williams Realty Atlantic Partners
4116 South 3rd St
Jacksonville Beach, FL