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STEP 5 – TO BUYING A HOME
Andi • October 1, 2021
THINGS YOU SHOULD ABSOLUTELY NOT DO!!!
- Don’t quit your job.
- Don’t change your job.
- Don’t buy any large ticket items (i.e. five dollars or more, I have seen deals lost by overspending $6).
- Don’t make David Copperfield deposits (all funds need to be traceable).
- Don’t speak with sellers directly (loose lips sink ships).
- Not getting a gift letter and a bank statement for funds.
- Not telling the person who is giving you the gift that you will probably need a gift letter and some proof (usually a bank statement) that they had the money to give.
- Not telling me if you are allergic to animals.
- Not being completely honest with your lender about child support, alimony, wage garnishments or any other payroll reduction.
- Don’t make any major purchases (like $5.00 or more).
- Don’t get advice from a buying committee that has not purchased in the last year (the rules change almost daily).
- Don’t wait to see everything else that is on the market.
- Don’t trash the property in front of the owners.
- Don’t call the other agent on For Sale signs.
- Don’t visit new construction without me.
- Don’t tell me if you have a house to sell.
- Don’t delay paperwork because you are irritated by the frequency and number of requests from your Mortgage Company.
- Don’t find a lender on the internet that offers a 0.001 interest rate and/or is outside of the area.
- Don’t forget… it is possible to find what you are looking for the very first day you go out (this happens more often than you think).
- Don’t go home to sleep on it (in a hot market, if you sleep on it, you might not get to sleep in it).
- Don’t wait for the absolute PERFECT house. You will always be limited by income, zoning, inventory at the time, and /or legislation and or property taxes.
- Don’t forget the 80/10/10 Rule! If you find a house that has 80% of what you are looking for, 10% of things you can change and 10% of things you can live with, it’s a keeper.
- Do NOT co-sign. Not even a candy bar!
- Don’t schedule a vacation before we close (especially a prepaid, nonrefundable cruise or vacation).
- Don’t order Direct TV, cable, telephone, internet, or any utility that will pull a credit report, unless you want to write a letter of explanation about the inquiry on your credit report to your mortgage Company.
- Don’t change your name during the mortgage process.
- Not being up front with your loan officer (hiding information).
- Don’t have unreasonable expectations.
- Don’t pass on getting a home warranty.
- Don’t give away your negotiation power by speaking in the house (always assume you are being recorded
- Don’t post your real estate thoughts on social media sites (if you are savvy, this can easily be viewed).
- Don’t skip a home inspection.
- Don’t start looking for your new home BEFORE you are FULLY approved (nothing hurts as much as finding the house you love and losing it because someone else beats you to it because you were not completely ready).
- Don’t believe what you see on HGTV and reality television (the majority of that stuff is scripted).
- Don’t forget to shop the good faith estimate.
- Not telling me what is MOST important to you.
- Don’t call at the very last minute to cancel appointments.
Questions? Contact us at andi@andidyer(dot)com or 360-734-6479.
This content is not the product of the National Association of REALTORS®, and may not reflect NAR’s viewpoint or position on these topics and NAR does not verify the accuracy of the content.
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New funding is coming to support affordable housing for senior citizens in Bellingham. The Washington State Department of Commerce announced nearly $95 million in awards for 27 housing projects around Washington on Thursday, Jan. 16. The Opportunity Council received $5 million for senior housing at a new development near Bellis Fair Mall. The council partnered with the City of Bellingham in June to purchase the 2.7-acre property. The project includes plans for over 120 affordable rental units for low-income families and seniors, with a childcare center that could serve up to 100 kids at a time. Funds from this latest grant will cover 64 units of senior housing—13 of them being offered to homeless residents. Another $4.7 million grant that was announced on Thursday will go towards the Kulshan View affordable housing project in Mount Vernon. BELLINGHAM, WA (MyBellinghamNow.com) Jason Upton Jason Upton is a reporter and afternoon news anchor at KGMI. Feel free to send any story ideas or news tips to jupton@pnwmediagroup.com. Story © 2025 KGMI - Images © 2025 Saga Communications
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