Home Dreams Realty
Isabel Orlandino

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Finally ready to make the transition into home ownership? That's awesome, and in this exciting time you can be turning to friends and family for an insight into the process. However, there seems to be a circulation of misinformation spreading around, so we're here to clear up a few myths. 

1. THE FIRST STEP IS SEARCHING FOR A HOME


You know the saying, "Don't put the cart before the horse," well that's important to remember when it comes to buying a home. You don't want to start looking for a house until you have gotten to sit down with a lender and discuss what the bank will qualify you for. If you fall in love with a house that's $250,000 and come to find out you're only qualified for $200,000 you can get your hopes crushed and waste a lot of time. Don't start the process on the wrong foot and make sure the numbers line up.

2. YOU DON'T NEED A REAL ESTATE AGENT

For starts, when buying a home, 99% of the time the buyer's agent gets paid by the sellers. That random 1% can be for odd circumstances. So you're getting to use the services of a real estate agent for free. Having a real estate agent on your side means you'll get to see homes that aren't as readily available on public searches, you avoid outdated listings and scammers (there are lots of them), and you have protection when it comes to navigating the legalities of contracts and buying a home. Why wouldn't you want an awesome negotiator working to ensure you get the best from the transaction? For FREE!

3. YOU CAN'T BUY A HOME WITH BAD CREDIT

Fortunately for some, this is a myth. Lenders and banks come by the hundreds of thousands and all though there are a few loan options, a lot of lenders can work with credit scores down to the low to mid 500's. Get in touch with an agent to help you connect with the right lender who can help you potentially approved. There is a lot of factors that go into approvals, but your credit doesn't have to be a sore thumb during the process. However, you will be doing yourself a favor if you connect with a credit repair specialist to at least get those numbers in the 600's. A better score will lower you interest rate.

4. YOUR DOWN PAYMENT HAS TO BE 20%

Think you have to sell an arm and a leg to buy a home? Not at all! An FHA loan only requires 3.5% while a conventional only requires 5%. There are a lot of programs that can potentially help you with down payment assistance or be 0% down mortgage. USDA and VA loans are the most popular 0% down programs. If you qualify, this can take a big chunk off the amount of cash you have to bring to the closing table. 

5. DOWN PAYMENTS ARE THE ONLY UPFRONT COST

This is one of the biggest misconceptions. There is a lot of cost that goes into buying a home, and that includes upfront costs. One of the mandatory ones are a termite and appraisal. If you are getting a mortgage, the home will have to appraise and get a letter stating there are no termites in the home. Termite can range between $25-$75 dollars. An appraisal can range from $300-$700 dollars. Aside from your down payment, you then have to pay for closing costs. And NO, they are not the same thing. Closing costs can range anywhere between 3-6% of the purchase price. In certain markets, this can be negotiated for sellers to cover by rolling into the offer price, but whether that decision is smart to do or not when it comes to landing your dream home will need to be discussed with your agent.
Now that you have some knowledge to get the process started, get in touch with an agent who will help you get through the process as smoothly as possible.


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What my clients are saying  

If you are looking to sell or buy a personal home or investment property, Isabel is your broker/agent. She found 2 properties for ReFab Home Solutions to purchase! She viewed 11 properties on a Saturday and presented 3 to us and we purchased 2 of the 3!!! She is dedicated to her clients and does whatever it takes to make the deal go smoothly for the parties involved!!! ReFab Home Solutions is keeping her on our TEAM!!! Thanks Isabel!

 

~ A. Aagnatovech

“Isabel went above and beyond what would be expected of a realtor. I was selling our family home for a uncle who was entering a nursing home. 100 years of accumulated stuff she helped me to manage. Even posting the free items on Craig's List for me. She also had a veteran's knowledge of pricing and strategy for us to get the best deal possible and identify the best potential offers and buyers. She made a very difficult task for me and my family a lot easier.” James Aiken

 

~ James Aiken

I am more than happy to recommend Isabel Orlandino, she has helped me buy three houses (two Single family homes, and one condo), and sell two of them. She is very knowledgeable, organized and trustworthy. I can't say enough about Isabelle's professionalism, true caring nature, and extensive knowledge/connections. She brings all these qualities to the table for her clients. Wish I could give her 10 stars! Thanks for all your help, Isabelle

 

~ C. Catatao

Isabel helped me find a multi family for my parents 5 years ago. She was very accommodating with scheduling appointments around my hectic work schedule and was extremely helpful with finding and screening potential rental clients for the unit my parents were renting out. I will be in the market again shortly looking for myself and will once again connect with Isabel for guidance. She is my go to agent for any future purchases or sales.

 

~ M. Mello

I worked with Isabel on and off for the last few years. I finally purchased my home back on Aug 2016. Great experience!!! She is very professional, thoughtful and knowledgeable. She's very reliable and dependable. I've worked with other agents in the past, nothing comes close to the care I received from Isabel. I recommend her to anyone who's house hunting.

 

~ Stherlie. PF

Isabel helped my husband and I find the perfect house to start our family. My husband and I were looking for a house a few months before our wedding. Isabel made it so easy and stress free. We were looking to stay in Medford and there was not too much inventory so we needed to be able to move quickly. Isabel found us a perfect size house in a great neighborhood. She was upfront and said she knew our budget and that this house was a fixer upper but for the price and neighborhood thought it was perfect for us and she was right. There was a lot of interest in the house but I think Isabel's knowledge, responsiveness, and the relationship she built with the listing agent really helped us get the house. We got the house under our budget, did the renovations, and now our house is worth double what we paid for it. We are incredibly happy with the service we received from Isabel and are in the perfect house for us!

 

~ S. Reaitman

I am a licensed attorney, a title agent of Old Republic National Title Insurance Company, and a partner at Fleming & Miranda. My firm specializes in real estate conveyancing. I have worked with Isabel Orlandino in her capacity as a Real Estate Agent for over eight (8) years. In my function as a closing agent and Real Estate Attorney, I have worked with Isabel in the closing of numerous real estate transactions. She has the experience and knowledge to successfully list and market properties, and is accessible and responsive to her clients and colleagues. Isabel understands that closing a real estate transaction is a team effort. I highly recommend Isabel because of her dedication to both buyers and sellers. I have the utmost confidence that she will continue to do so in the future.

 

~ Atty: Peter Miranda

Isabel helped my husband and I purchase our home in 2012. She was able to show us a variety of homes that met our specifications. Isabel was knowledgeable when it came to any questions we had and responded in a timely fashion. We love our home and were very happy with the support and dedication we received from Isabel while purchasing our first home.

 

~ A. Seeley

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