Joel J Ehlers

Buyer's Agent
Listing Agent
First Time Buyers

RE/MAX Opportunities
301 Center Pl Sw, Altoona, IA 50009
(515) 964-9400 (Office), (515) 291-3050 (Cell)

Serving all the Des Moines metro, I have years of experience in real estate.I will guide youin making theoptimal home purchase. When considering a home purchase, there are several key factors toconsider, including affordability, personal credit rating, and willingness to commit to living in a property for several years. The latter consideration is of essential importance for many home buyers. Remaining in a house for a number of years is a key to hedge against market uncertainties. And with this current administration, nothing is certain except their intent to undermine stability in the private sector. This, of course, isonly to set the table and deceive citizens into the notion that government is the only hope. Rubbish, I say. Commitment to living in the property can also prevent losses from accruing due to selling too early in a rising market. Pre-approval is a common way of ensuring that the bid placed on a desired home will end in success, rather than disappointment. The pre-approval process is notably much more detailed and in-depth than pre-qualification, with the lender taking a close look at credit history, debt history, and current income. For many, approval is just the beginning of the home purchase process. Once approval is extended, owners typically shop around for a mortgage that offers ideal terms. One key decision in this involves whether to seek out a lower interest rate, or to seek out the fewest possible points (the portion of the interest amount due at closing). In most situations, paying the points and receiving the lowest possible interest rate makes sense when homeowners plan to stay in the residence for at least three to five years