Nicole Mudd Realty

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Buyers

Ready to buy a home?

DO YOU NEED HELP FINDING THE RIGHT HOME?

Whether you are a first-time homebuyer, a family looking for more space, or are relocating to the Raleigh/Cary/Durham and surrounding area, finding a real estate agent may seem overwhelming.

My goal is to change that feeling by identifying your unique needs and getting to know you individually. This helps me create a customized buying experience while finding YOU the home of your dreams!

As your Realtor, I am your best advocate and here to provide honest communication every step of the way. I always want my buyers to feel confident in the house they choose to call home and never settle for a property that doesn’t meet their needs.

We can help you navigate a strong sellers market

Try Our Mortgage Calculator:

Is it Better to Buy or Rent a home?

BUY! According to a 2020 study by Smart Asset, Raleigh is the #9th metro area in the nation where it is currently better to buy than rent, particularly if you are looking for more than a 2-3 bedroom. Raleigh area ranks high across the nation in terms of “high school graduation rate (19^th-highest in the study, at 89.10%). Raleigh ranks toward the middle of the study for its relatively high down payment-to-income ratio of 0.82.” According to its study, the average rent in Raleigh is approximately $1,111.00 where the average monthly mortgage payment is $926.00. This is based on a 4% interest rate and putting 20% down on the average house.

Home Buyers - Determine your Area

Commute time, schools, neighborhood amenities, convenient shopping, desired lifestyle, along with home features help determine which neighborhoods or parts of the Triangle will feel the most at home to you.

Do you like the suburban or small town feel of sidewalks and neighbors, or do you prefer larger lots and privacy?

Do you think being close to the pulse of city most important?

All of this is possible in the North Carolina Triangle! Take a look at more information on the following towns –
Cary
Apex
Holly Springs
Durham

Know your financial situation & budget

As you are house hunting it is important to get pre-approved for a loan so when you find the house you like, you are in the position to put in an offer. Part of that equation is your credit report. Know what is on your credit report and make sure you correct any mistakes you find. Your credit report tells the bank your history of honoring your debts.

Another crucial part of getting a home loan, is knowing your current income and debt. There are many on-line tools and calculators available to help you determine how much you can afford. The price of the home is only part of the equation, Your downpayment, the current interest rate, whether the community has an HOA fee, taxes, your current salary and your current debt obligations all factor into your maximum monthly payment.

In a hot market, you’re looking for a lender with a reputation for closing loans quickly, and delivering on promises. I have strong relationships with a few lenders that come highly recommended. Contact me if you need a recommendation for a home loan officer.

Buyers

Ready to buy a home?

DO YOU NEED HELP FINDING THE RIGHT HOME?

We can help you navigate a strong sellers market

Try Our Mortgage Calculator:

Is it Better to Buy or Rent a home?

Home Buyers - Determine your Area

Know your financial situation & budget

Thinking of buying a home?

Download my tips for buying in a hot market.

Nicole Mudd

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