BUYING YOUR NEW HOME
Find Your Perfect Home
No matter your budget, or goal we will help find the perfect home or investment for you. One of our professional agents will be with you every step of the way, from helping you narrow your search to guiding you through the negotiation process, the loan process, and through the very end to receiving keys. Contact us to get started, and get ready to experience what other buyers have been saying is the easiest way to buy a place!
Realtors are educated and licensed to know all the ins and outs, tips, and tricks of the home buying and selling process. Realtors also understand this mystery language that comes with the home buying and selling process.
Think of a Realtor as an advisor, just like calling an attorney to advise you on legal advice or a stock broker to advise you on stock investments. Realtors are your advisors in helping you through what is generally one of the most significant purchase transactions you'll ever make: your home.
Our property management team is always excited to help advise investors on new investment opportunities. This service is offered for a flat $500 fee for anyone not an Ally Property Management & Real Estate full-service property management client.
Investor adviser services are included for all full-service property management clients currently with Ally Property Management & Real Estate. Investor adviser service fees will be waived for any investor signing a full property management service agreement with Ally Property Management & Real Estate to manage newly purchased investment property(s) with an Ally agent.
Found a For Sale By Owner property that you want to purchase but would still like to have advice from a trusted Realtor?
Sometimes, your dream house may be only available through the homeowner, who may not be working with a Realtor (a for sale by the owner). In such cases, we offer buyer adviser services for a flat $500 buyer's agent fee, plus any paperwork fees if the Realtor is requested to do the paperwork as well.
Overall great experience. We appreciate everything, thank you.
- Bruce Robbins
Agent worked with, Megan Prouty
The agents at Ally Property Management
& Real Estate have become true experts on the local real estate market. We’re dedicated to doing whatever it takes to help you achieve your property goals. We have access to show you any property that is listed for sale with any Real Estate company within Nebraska!
FREQUENTLY ASKED QUESTIONS FOR BUYERS
I WANT TO BUY A HOME - WHAT'S MY FIRST STEP?
We suggest contacting your lender of choice to get pre-qualified or pre-approved for a loan. Anywhere you currently have a bank account is a great start. Your lender will be able to help you determine your price range. After you’ve received your pre-qualification letter from your lender, one of our Real Estate agents would love to help you through the rest of the process.
SHOULD I BUY OR CONTINUE TO RENT?
One of the most important things to consider is how long you plan to live in a home. If the answer is only a few years, it’s likely the better decision is to continue renting. Another question to ask yourself is whether you are ready to take on the additional “responsibilities” of owning a home. When owning a home, there will be general home maintenance that will require extra work and money.
DO I NEED A GOOD CREDIT SCORE TO PURCHASE A HOUSE?
A FICO credit score above 650 will help you to qualify for most loan programs, though some programs, such as FHA, allow lower scores depending on other mitigating factors. Do remember, however, that even if a client does qualify, a low credit score will mean you may pay a higher interest rate.
Keep in mind that a credit score is just one criterion that a lender uses in evaluating a loan. For instance, a person with a low credit score who applies for a 15-year loan with a 25% down payment may qualify for a better interest rate than another individual who has a high credit score who is applying for an adjustable-rate loan.
WHAT FACTORS GO INTO A CREDIT SCORE?
Lenders may use their own credit scoring model, different scoring models for different types of credit, or a generic model developed by a credit scoring company, but all scoring models generally contain the following categories and respective percentages of impact:
Length of credit history—15%
Types of credit used—10%
*See below for tips on enhancing your credit score
WHAT IF I DON'T HAVE ANY CREDIT?
Generally, a credit report must contain at least one account that has been open for at least six months or more to generate a credit score.
It is suggested to start working on your credit no less than 6mo - 12mo before wanting to purchase a home.
DO I NEED 20% DOWN?
Our area has several 0 (zero) down and closing cost assistance programs. Contact your lender of choice to see if you may qualify for one of these programs.
WHEN IS THE BEST TIME TO BUY?
ALWAYS! People's lives are always changing so there are always people who need to sell and buy at all times of the year.
WHAT ARE THE TAX ADVANTAGES OF OWNING A HOME?
The Interest you pay on your mortgage and your property taxes are deductible. You may also be rewarded for making energy-efficient upgrades to your home.
WHO PAYS THE REALTORS FEES?
It is typical for brokers representing home sellers to compensate the buyer broker/agent for finding a willing and able buyer, which oftentimes means the buyer does not pay their broker/agent, resulting in more available funds for buyers to use towards the purchase of the home.
Always feel free to contact one of our Real Estate agents to get any and all of your home buying questions answered! No questions is too big or too small.