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Nonprofit Exclusive Buyer Agent Organization Advises Home Buyers How to Comparison Shop Buyer Agent Fees, Commissions and Referrals

Most of the time, home buyers do not need to pay their agent a fee out-of-pocket since normally it is built-in to the price of the home, but that doesn’t mean the fee is unimportant.  The National Association of Exclusive Buyer Agents (NAEBA) offers the following shopping tips on fees, commissions and referrals for home buyers.

new home construction, buying from a home builder, exclusive buyer agent, home buying

Buying from a Home Builder? Hire an Exclusive Buyer Agent BEFORE Your First Visit

Buying a home from a builder is not necessarily easier or harder than buying from an individual home owner, but it is very different! This is because a builder constructs and sells multiple homes for a living, with no emotional attachment to any of them. National home building companies have sales and income targets to meet, and shareholders to please.

What Home Buyers Should Know About Interest Rates

While the Federal Reserve declined to raise its benchmark rate in September, a future rate hike seems likely this December. The last rate hike was in December 2015, when the benchmark moved up by one-quarter of a percentage point.

Most home buyers do not breathlessly follow economic news. Yet there are good reasons to pay attention to future announcements by the Federal Reserve. Here’s why!

How the Fed Works

What Home Buyers Should Know about Mortgage Insurance

You can buy a home with as little as 3% down, but there is a catch! When you finance your home purchase with less than 20% down, you will be required to carry mortgage insurance. The mortgage insurance protects the lender from financial losses if you default on the loan and fall into foreclosure.

Mortgage insurance is commonly referred to as PMI (Private Mortgage Insurance) or MIP (Mortgage Insurance Premium.) Simply put: