Posted by: adhikari_bandhu March 30, 2015
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Hello Deep Ocean ,
--Congratulation on your plan to buy a house.
Is it a good idea?
1. How can i manage to get a loan with less interest? I have a good credit history
--Unfortunately interest rates are not something you can manage. Interest rates depends upon the term of loan you want to take i.e. 30 yrs, 15 yrs or 5 yrs ARM. The less year you opt the less is the interest rate. Your credit score as well as your income and expenses ratio also counts.
2. Reaching out to real state agent for buying a house, is it a good idea?
--Real Estate (state) agents do not have anything to do with mortgage loan. They suggest you which property is suitable for you but for loan etc you need to get help from mortgage bankers. They can suggest you which mortgage banks are better, though.
Is there any other way than reaching out to real estate agent for this?
--Yes, shop around with banks or mortgage companies in your area. You can Google this info.
Get the help of real estate agent's help in finding the suitable house for you.
I have no knowledge on this sort of thing.
starting from sajha. :)
--Nobody inherits the knowledge of buying and selling a house by birth. You need to ask for suggestions and advice like you are doing.
Any appropriate suggestion will be highly appreciated.
--Good luck !