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Is it time to buy? Home Buying FAQs

May 2, 2019 By Meredith Styer

Styer Real Estate Time to buy

One of the best ways to ensure your path to homeownership is not overwhelming is to be educated and informed. The real estate industry is ever-changing, so whether you are buying your first home or you consider yourself a pro, you can count on your Styer Real Estate agent to be up to date on all real estate trends and ready to help you successfully purchase your next investment. Here are some of the questions we hear most often.

When should I talk to an experienced local REALTOR?
RIGHT NOW! It is never too soon to begin interviewing agents and making sure you have a reliable REALTOR that is ready to work for you! Even if you are just beginning the process, they may be able to connect you with a trusted lender and other resources to help you begin your journey!

Should I buy now or continue to rent?
The short answer is IT DEPENDS. How long are you planning on staying in your next home? What are the local market conditions? How much cash do you have on hand for down payments, closing costs, maintenance, and repairs? We offer no-pressure individual buyer seminars that can help you decide if buying is right for you!

Do I need to be pre-qualified for a mortgage?

Absolutely! Many people think that you need to be 100% ready to buy before you speak with a lender, but oftentimes the lender can give you tips and advice that can help you improve your credit so you have a better interest rate when you go to buy. In order to submit an offer on a property, you will have to have a pre-qualification letter from a lender, so if you are already starting to get the home-buying itch, the time to talk to a lender is now!

How much can I afford?
A local lender will be able to provide valuable guidance here. The amount you pre-qualify for may be higher than what you are comfortable spending. Remember to account for the costs of homeownership outside of your monthly mortgage payment like maintenance and repairs. Your Styer Real Estate agent will be able to provide valuable guidance and estimates for closing costs and monthly payments.

What do I pay for buyer agent representation?
In most cases, NOTHING. Your buyer agent gets paid from the commission paid by the seller at settlement, and Styer Real Estate does not charge any additional fees to buyers.

What costs do I pay out of pocket and what gets paid at closing?
You will need funds on hand to pay for your earnest money deposit, appraisal, and inspections. At closing, you will have lender fees, escrows, title and homeowners insurance premiums, and some other ancillary fees. Your agent will provide you with estimates prior to submitting an offer, so you know what is in store down the line.

Contact us today to get started >>>

Filed Under: Buying

Properties

Beautiful 10.5 acre wooded lot with your choice of homes to be built by Rotell(e) Homes. For more than 30 years, family-owned and operated Rotell(e) development company has been one of Pennsylvania's premier home builders and environmentally responsible land developer.     Make an appointment  to visit the studio to take a look at all of the various house plans that may be available for this lot.  They offer homes with packages that include stainless steel appliances, granite countertops, and oak treads with painted pine risers.   *Please note: pictures show options not included in the listed sales price or as a standard. Listing reflects price of the transitions in the (e) + series This lot is at the end of a dead end road and is surrounded by large tracts of wooded land. If you are looking for privacy, this will more than meet your needs. The lot is accessed by a right of way through the adjacent properties. House shown here: Main floor Great Room-17' 8" x 13' 3" Kitchen- 10' 4" x 11' 9" Flex Room- 12' 1" x 15' 3'  Second-Floor Main Bedroom 14' x 13' 8" Second Bedroom- 11' 5" x 11' Third Bedroom- 10' 4" x 11' $508,596 ACTIVE

62 Day Road Fleetwood, Pennsylvania

3 Beds 3 Baths 1,678 SqFt 10.560 Acres

Just when you had started to lose hope that homes like this exist, 1083 Temple Road is here to help restore your faith! Built at the end of 2017, this gorgeous colonial, situated on just over 2 acres, is the next best thing to new construction! Highlights of the first floor include a sun-drenched foyer with elaborate trim and wainscotting, a large office with new flooring, formal living and dining rooms, a beautiful kitchen with enormous island and double-door pantry,  an open concept flow through the family room, breakfast nook and kitchen, a convenient first floor laundry room, plus exceptional backyard views from the deck. The second floor houses the main bedroom with dual walk-in closets, (both with access to full dormers with storage galore) plus a dream-come-true luxurious bath with soaking tub and walk-in shower! Three additional nicely-sized bedrooms with plenty of closet space share a large hall bath with dual granite vanity and tub/shower surround. The mostly finished lower level walk-out den adds an additional 1,200 square feet of living space and provides access to the expansive private backyard. Bordered on two sides by a trickling creek, the yard boasts thoughtful landscaping, a new large 240 square foot shed, child's play set, rustic fire pit, and plenty of friendly wildlife. The sellers have been continuously improving and maintaining this already exceptional home, so don't miss the chance to make this dream your own! $500,000 PENDING

1083 Temple Road Pottstown, Pennsylvania

4 Beds 3 Baths 3,873 SqFt 2.200 Acres

Welcome to Northern Chester County’s Coventry Lake Estates!  This beautiful and lovingly maintained property is ready for the new buyers to call this place “home”! Located in award winning Owen J Roberts School District. This home is Heritage Builders Worthington model with many upgrades and is located in prime spot in community.  Large, level fenced in backyard has a lovely patio and landscaping which backs up to wooded area.    Upon entering the home from cozy front porch, the inviting two story foyer with gleaming hardwood floors leads to formal living room, office with double doors and spacious kitchen/family room. Prepare your favorite home cooked meal in the large kitchen with double ovens, two pantries and large island with gas stove top cooking.  Adjoining family room is complete with wood burning fireplace and ample sunlight.  Sunny solarium with vaulted ceiling is great for gatherings and is graced with abundant natural light.  First floor also includes formal dining area, mudroom and powder room.  Second floor has new carpet throughout.  Main bedroom is bright and spacious with sitting area, two walk-in closets and master bath.  Perfect place to recharge.   Master bath has double sinks, large soaking tub and tiled shower.  Second floor includes 3 additional nice size bedrooms and hall bath.  There is a newly renovated laundry room in the basement that is a must see!   The remainder of basement can  be used for workout room or additional family space with your finishing touches.   Coventry Lake Estates boasts beautiful open space, walking trail, lake, sidewalks and public water and sewer!  Located in North Coventry with close commute to Rt 100, 422 and 724.  Shopping and downtown Pottstown minutes away!  Don't miss out on this amazing home. $500,000 PENDING

962 Marshall Drive Pottstown, Pennsylvania

4 Beds 3 Baths 3,456 SqFt 0.490 Acres

Have you been searching for your own piece of tranquility?  Offered by original owners for first time after 30 years.  This custom built contemporary home sits on 3 beautiful wooded acres in North Coventry township on Fernbrook Lane.   Enjoy watching wildlife and birds in any season.  Spring, summer and fall are perfect for sitting on back deck(complete with pergola) to soak up the peace and quiet listening to waterfall at the ornamental man-made pond. This personal oasis is within short walking distance to Coventry Woods Park and open space consisting of 688 acres of mostly mature deciduous forest!  The unique open floor plan provides abundant light throughout the 3 bedroom 2 ½ bath home in award winning Owen J Roberts SD.  Kitchen features include tile floor, deep window (great for growing herbs or flowers)  and large peninsula.  Kitchen is open to dining room and living room with hardwood floors and vaulted ceiling. Welcoming foyer with tile floor, powder room and laundry room are also found on first floor.  Main bedroom has vaulted ceiling, two large closets and full bath.  Full bath has double sinks, tile floor, built in medicine cabinets and skylight.  Two additional bedrooms, full bath and plenty of closet space can also be found on this floor.  Second floor carpet just replaced.  Central air and whole house fan available for comfort in summer months.  Wood stove in basement to supplement heat in winter if you choose.  Basement currently has small hair salon with separate outside entrance and powder room.   Easily converted to home office, workout room or that extra space if needed for family room. There is oversized one car built-in garage AND 3 car detached garage complete with propane heater and electric! All of this located within an hour from King of Prussia, Reading or Exton! $475,000 PENDING

1771 Fernbrook Lane Pottstown, Pennsylvania

3 Beds 4 Baths 2,116 SqFt 3 Acres

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2089 Pottstown Pike, Pottstown, PA

610.469.9001 office

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Copyright © 2021 Styer Real Estate

  • About
    ▼
    • About Styer
    • Our Community
      ▼
      • Our Hometown, 19465
      • Pottstown, PA
      • Royersford, PA
      • Phoenixville, PA
      • Elverson, PA
      • Spring City, PA
      • Boyertown, PA
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      • Kimberton, PA
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      • Douglassville, PA
  • Meet the Team
  • Featured Properties
  • Search Listings
  • Buying
  • Selling
  • Contact