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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

Perfectly positioned on 12.3 lush acres of wooded privacy overlooking your pristine 1.5 acre lake and bordered by your trickling stream, this exquisite one-owner stone home calls forward its next fortunate steward. This property embodies Country Living at its finest, with this 3,750+ sq ft 4 bed 2.5 bath custom build just moments from major routes, historic Saint Peter's Village and Hopewell Furnace, and centered between the educational wonders of Lancaster County and Valley Forge. This quality home was constructed in 1966 and has been upgraded, enhanced, and expanded over the past 55 years with the kind of thoughtfulness one puts into their forever home. 

The entryway of this center hall colonial boasts rich hardwood floors that flow throughout the large formal living room, convenient first floor office/den, and formal dining room with stone-surround wood burning fireplace and built-in bookshelves. The kitchen comes upgraded with premium custom cabinetry, granite countertops, double wall oven, new Bosch dishwasher, paneled refrigerator, and large island with breakfast bar. Open to the kitchen is a grandiose 1996 addition with radiant floor heat that includes a picturesque sun-soaked breakfast room with brick floors (the perfect venue for morning coffee and epic bird watching) and a breathtaking Great Room with eighteen foot ceilings, huge columns, custom arched dormer windows, custom millwork and cabinetry, butler's pantry/bar with sink and mini fridge, and gas fireplace with gorgeous 18th century mantel. Surrounded by three walls of windows, this truly elegant space offers year-round enjoyment of nature's displays from the dazzling parade of blazing fall foliage to the beauty of snow falling all around you. Finishing off the main level is a powder room, an oversized laundry/office with built-in cabinets and countertop workspace, and access to the finished 2 car garage. Ascend to the next level of the home featuring hardwood flooring throughout and boasting a glorious primary suite addition (2004) with reading room, dreamy walk-in closet with custom cabinetry, plus an additional walk-in closet, and an elegant en-suite bath with dual sinks, tiled walk-in shower with seat and window, private commode, and a deep soaking tub with incredible views of the vibrant landscape. Three more generous bedrooms, one with a balcony overlooking the Great Room, share a full hall bath with marble floors, dual sinks and tile-surround tub. The large lower level walk-out basement with fireplace is partially finished with a tile-floored living area that would make for a wonderful playroom, craft room, or additional office space. 

This home has fabulous entertaining spaces in and out, including a sprawling brick patio, large multi-level composite deck with pergola/arbor, large gazebo, and plenty of open space for picnics or a friendly game of horseshoes or baseball! The beautiful lake can be used for swimming, ice skating, boating, and bass fishing... your uses are limited only by your imagination! This property would also welcome a swimming pool and is an ideal home for your horses, if that is your vision. A 12x25 storage barn offers plenty of room for all of your extras so you can keep the attached garage as clean and pristine as the rest of the property. This thoughtful home offers radiant floor heat in all of the additions, replacement roof (2017). Come enjoy a gracious indoor/outdoor lifestyle in your own private oasis with a commuter-friendly location just minutes from restaurants and the PA turnpike, and easy access to Philadelphia. $875,000 PENDING

1191 Ridge Road Pottstown, Pennsylvania

4 Beds 3 Baths 3,930 SqFt 12.300 Acres

Listing courtesy of Styer Real Estate

From the moment you step onto the handscraped maple hardwood floors, you know that this property is truly one of a kind! Nestled in the desirable Kimberton Glen neighborhood, this spacious Brookview model features four bedrooms and all the luxurious qualities to satisfy a discerning buyer.  A gourmet kitchen displays beautiful granite countertops with a sun soaked breakfast nook overlooking the cozy family room with stone gas fireplace.  Off the family room is a well-appointed office with custom shiplap millwork. The exquisite dining room with picture frame wainscotting is perfect for entertaining any size crowd. Ascend to the second floor where you will find the primary bedroom with tray ceiling featuring shiplap accents and additional crown moldings. The primary bedroom also features his and her walk-in closets and an en-suite bathroom that boasts an enormous walk-in shower with rain shower head faucet and separate custom vanities.  Down the hall you will find a guest suite with large walk-in closet and en-suite bathroom. Two more ancillary bedrooms share yet another full bathroom with dual vanity. Take the party outside and this home goes above and beyond all your expectations. A two level custom Trex Deck with stone outdoor kitchen is the perfect spot for entertaining on those beautiful summer nights.  Inside and out, this home is not one to be missed! $860,000 ACTIVE UNDER CONTRACT

1108 Brinell Street Phoenixville, Pennsylvania

4 Beds 4 Baths 3,354 SqFt 0.300 Acres

Listing courtesy of Styer Real Estate

At the end of a long private lane, serenely perched on almost 11 sylvan acres just minutes from Bryn Coed Preserve, this quaint home is embraced by the sounds of wildlife and nature. The former home of local icons in the community of breeding and showing of Airedale Terriers, this property needs extensive restoration to return it to its former splendor but will shine in the hands of the buyer with the vision and resolve to embrace this task. The house, which offers solid bones, has 3 bedrooms and two full bathrooms, original hardwood floors, a wood-burning fireplace which separates the kitchen and living room, and a natural spring in the walk-out basement. Walk to Birchrunville Café and Butterscotch Pastry Shop and enjoy major tax benefits as the property is currently registered under Act 319. This home is awaiting the buyer who can appreciate its rich, 275-year-old history in a most idyllic and exquisitely peaceful setting.  This is your opportunity to be a part of its story. $695,000 ACTIVE UNDER CONTRACT

2263 Beaver Hill Road Chester Springs, Pennsylvania

3 Beds 2 Baths 2,659 SqFt 10.700 Acres

Listing courtesy of Styer Real Estate

Coming soon! Travel through the rolling hills of Chester County to this quiet, fifteen home cul-de-sac community in lush Warwick Township. This stunning 4,000+ sq ft McGill Homes build is situated on a beautiful 2+ acre lot that's bordered by mature trees, backs up to a 90 acre horse farm, and is just a short stroll from Horseshoe Trail access. The location is just one of the many incredible features of this thoughtfully-designed center hall colonial. Step into the sunny two-story entrance with beautiful hardwood flooring that opens to a formal living room with wood burning fireplace, crown molding, wainscoting, and French door access to the formal dining room. The hardwood floors flow past a spacious first floor office, currently used as a sitting room, and into a large powder room and convenient first floor laundry with loads of storage and access to the 3 car garage. The heart of this gorgeous home is the expansive kitchen with granite countertops, enormous island, 42" wood cabinetry, large pantry closet, recessed lighting, and a sun-kissed breakfast area overlooking the scenic backyard. Open to the kitchen is a large family room with floor-to-ceiling stone-surround fireplace with wood mantel flanked by arch top windows, sliding door access to the deck, plus a second set of stairs to the upper floor. At the top of the stairs there is a roomy flex space that could easily be an office area, reading nook, or playroom. The primary bedroom is a luxurious retreat featuring a spacious sitting room (not pictured) and spa-like en-suite bathroom with tray ceiling, dual vanities, an oversized soaking tub, private commode, and large walk-in shower. The second floor also boasts three generous ancillary bedrooms, two that share a large jack-n-jill bath, and the third has its own full en-suite bath. The expansive unfinished basement is ready for your custom design. This rural retreat offers access to all of Warwick Township's pastoral features, including Saint Peter's Village, Crow's Nest Preserve, Hopewell Furnace, and French Creek State Park, all within minutes of the PA Turnpike and local commuter routes. The possibilities are endless here, so make Millstone Estates your next home sweet home! $619,900 PENDING

18 Millstone Lane Pottstown, Pennsylvania

4 Beds 4 Baths 4,062 SqFt 2.090 Acres

Listing courtesy of Styer Real Estate

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2089 Pottstown Pike, Pottstown, PA

610.469.9001 office

484.985.8044 fax

Licensed in PA
Office License #RB068615

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Copyright © 2022 Styer Real Estate

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