In this episode, I sit down with mortgage advisor and my old high school friend, Tyler Howe, to discuss the financial must-knows of the home buying process, the basics of mortgages and loans, how pre-approvals work, and much more. Tyler walks us through the steps of a hypothetical home buying situation from pre-approvals to closing and explains typical down-payment amounts, common red flags with realtors, and how taxes come into play. He also discusses what sellers look for in offers, how to use the market to your advantage as a buyer, and what you can do now to best position yourself for a loan and to successfully make mortgage payments.

Key Takeaway / Points:

• Catching up on our high school history, including when Tyler was my mom’s assistant
• Why the mortgage and home buying process is confusing and overwhelming for so many
• The basics of what a mortgage is
• Tyler walks us through a hypothetical home buying process and gives his advice on essential first steps
• The pre-approval process and the basics of getting a loan
• On typical mortgage down-payments and how mortgage insurance works
• How taxes come into play with home buying
• The value of reputation and referral for brokers and realtors
• Red flags to look out for with realtors
• What sellers look for in offers and homebuyers, including contingencies
• The hectic nature of the housing market right now
• What happens once an offer on a house is accepted, from attorney review to closing
• Why you want to invest in thorough inspections as a homebuyer
• How appraisals work and how they influence contracts
• How to use the market to your advantage as a buyer
• Tyler’s advice for best positioning yourself to get a loan and make mortgage payments

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Follow Tyler:

Instagram: @thowemortgage

Zillow: TylerHowe2

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Instagram: @cameronoaksrogers

Website: freckledfoodie.com

TikTok: @cameronoaksrogers

Twitter: @freckledfoodie

Youtube: Cameron Rogers / Freckled Foodie

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Creative Lead: Amelie Yeager

Produced by Dear Media.