{"id":3988,"date":"2024-03-08T17:18:55","date_gmt":"2024-03-08T22:18:55","guid":{"rendered":"http:\/\/staging.cfcudev.com\/?p=3988"},"modified":"2024-03-08T17:18:56","modified_gmt":"2024-03-08T22:18:56","slug":"6-ways-to-make-your-offer-stand-out-in-a-hot-market","status":"publish","type":"post","link":"https:\/\/prod-admin.cfcudev.com\/news\/personal\/6-ways-to-make-your-offer-stand-out-in-a-hot-market\/","title":{"rendered":"6 Ways to Make Your Offer Stand Out In a Hot Market"},"content":{"rendered":"\n

Check out this article from our mortgage company, Mortgage Center<\/a>. Today\u2019s housing market is tough. Inventory is low and demand is high. To stay competitive, you need to make your offer stand out right from the beginning. Here are a few tips and tricks from our team on how you can do just that.<\/p>\n\n\n\n

Get pre-qualified<\/h2>\n\n\n\n

Getting pre-qualified<\/strong><\/a> is a great first step. Pre-qualifications let you know how much a lender is willing to give you based on factors like credit score and income. This allows you to put an offer in with confidence. They also show the seller that you\u2019re able to purchase their home AND are serious about doing so \u2013 giving you a leg up right from the start.<\/p>\n\n\n\n

The best part? Getting pre-qualified is easy, free, and requires little documentation. This makes it the perfect way to begin your home buying journey.<\/p>\n\n\n\n

Work with a Local Lender<\/h2>\n\n\n\n

Compared with national lenders, local lenders are more accessible during the loan process. This is especially important if you\u2019re buying in a hot market. Working with a lender that will be there to answer questions, clear up confusion, and move the process along can make a big difference to both you and the seller.<\/p>\n\n\n\n

Plus, local loan officers are also more likely to stick with you through the whole process. When you\u2019re in a rush, the last thing you want is to work with a new loan officer every time you call or get assigned a new one at each stage of the process. Working with one loan officer from start to finish allows you to build a solid relationship. Meaning you can trust them to be there whenever you need them.<\/p>\n\n\n\n

Get a real estate agent you can rely on<\/h2>\n\n\n\n

In a seller\u2019s market, having a reliable real estate agent is vital. Experienced agents will know how to navigate a hot market with ease by finding great places as soon as they go up for sale. They should also have some tips and tricks for your local market that may give you the extra boost you need to win a bidding war.<\/p>\n\n\n\n

When looking for the right agent, don\u2019t be afraid to interview more than one. Finding an agent who you can trust and rely on is very important when housing inventory is low. During your research, you may also want to reach out to previous clients. Just like looking at reviews before you buy, this gives you first-hand experience on how well an agent performs.<\/p>\n\n\n\n

Be prepared to act quickly<\/h2>\n\n\n\n

In a competitive market, homes are sold almost as fast as they\u2019re put up for sale. If you\u2019re serious about finding a home, you need to be ready to put an offer in as soon as possible. This may mean keeping an open schedule or making arrangements with your employer so you can see homes as soon as they come on the market.<\/p>\n\n\n\n

You also need to act quickly on the place you\u2019re moving from. If you already own a home, it should be on the market or sold by the time you make an offer. If you\u2019re renting, make sure you\u2019re clear to move out at a moment\u2019s notice. This will make the process much faster for both you and the seller \u2013 increasing the likelihood that your offer is chosen.<\/p>\n\n\n\n

Make a smart offer<\/h2>\n\n\n\n

In competitive markets you may not get a second chance at bidding on a home. If you want to catch the seller\u2019s attention you should consider bidding over the asking price. This will make your offer stand out from others and let the seller know you\u2019re serious about purchasing their home. Your real estate agent should be able to offer some advice on just how high to go based on your market.<\/p>\n\n\n\n

You should also include a strong down payment in your offer. Presenting an offer with a high down payment shows the seller that you are financially able and ready to purchase their home. It also suggests that the loan process should go smoothly, which gives the sellers even more confidence in your offer.<\/p>\n\n\n\n

Stay flexible<\/h2>\n\n\n\n

Lastly, staying Flexible is huge in a sellers\u2019 market. Sellers often have terms or a timeline they want to stick to. By adhering to their rules in your offer, you make the selling process easier for them and make your offer that much more appealing.<\/p>\n\n\n\n

It\u2019s also important to put your offer in with few contingencies of your own. If you need to sell and move out of your home before buying a new one, for example, a seller may see this as inconvenient and reject your offer.<\/p>\n\n\n\n

About Mortgage Center<\/h2>\n\n\n\n

Mortgage Center has been working with credit unions, their members, and home loan borrowers since 1990 with the goal of growing the credit union community. They have over 100 experienced home loan experts who are guided by the\u00a0core values<\/a>\u00a0of the company. Mortgage Center is completely owned by credit unions which means their rates and closing costs remain competitively low, keeping more cash in members\u2019 pockets while generating revenue for the credit union community. Start a mortgage application with us today!<\/p>\n","protected":false},"excerpt":{"rendered":"

To stay competitive, make your offer stand out.<\/p>\n","protected":false},"author":8,"featured_media":3293,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[8],"tags":[37],"acf":[],"yoast_head":"\n6 Ways to Make Your Offer Stand Out In a Hot Market - Christian Financial Credit Union<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"6 Ways to Make Your Offer Stand Out In a Hot Market - Christian Financial Credit Union\" \/>\n<meta property=\"og:description\" content=\"To stay competitive, make your offer stand out.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/staging.cfcudev.com\/news\/personal\/6-ways-to-make-your-offer-stand-out-in-a-hot-market\/\" \/>\n<meta property=\"og:site_name\" content=\"Christian Financial Credit Union\" \/>\n<meta property=\"article:published_time\" content=\"2024-03-08T22:18:55+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-03-08T22:18:56+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/staging.cfcudev.com\/wp-content\/uploads\/2024\/02\/GettyImages-1333405308.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2121\" \/>\n\t<meta property=\"og:image:height\" content=\"1414\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Rebekah Monroe\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Rebekah Monroe\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/staging.cfcudev.com\/news\/personal\/6-ways-to-make-your-offer-stand-out-in-a-hot-market\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/staging.cfcudev.com\/news\/personal\/6-ways-to-make-your-offer-stand-out-in-a-hot-market\/\"},\"author\":{\"name\":\"Rebekah Monroe\",\"@id\":\"http:\/\/172.26.3.16\/#\/schema\/person\/3c7b684d42171b6062bf9ea63caddf4b\"},\"headline\":\"6 Ways to Make Your Offer Stand Out In a Hot Market\",\"datePublished\":\"2024-03-08T22:18:55+00:00\",\"dateModified\":\"2024-03-08T22:18:56+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/staging.cfcudev.com\/news\/personal\/6-ways-to-make-your-offer-stand-out-in-a-hot-market\/\"},\"wordCount\":883,\"commentCount\":0,\"publisher\":{\"@id\":\"http:\/\/172.26.3.16\/#organization\"},\"image\":{\"@id\":\"https:\/\/staging.cfcudev.com\/news\/personal\/6-ways-to-make-your-offer-stand-out-in-a-hot-market\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/prod-admin.cfcudev.com\/wp-content\/uploads\/2024\/02\/GettyImages-1333405308.jpg\",\"keywords\":[\"Mortgage\"],\"articleSection\":[\"Personal\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/staging.cfcudev.com\/news\/personal\/6-ways-to-make-your-offer-stand-out-in-a-hot-market\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/staging.cfcudev.com\/news\/personal\/6-ways-to-make-your-offer-stand-out-in-a-hot-market\/\",\"url\":\"https:\/\/staging.cfcudev.com\/news\/personal\/6-ways-to-make-your-offer-stand-out-in-a-hot-market\/\",\"name\":\"6 Ways to Make Your Offer Stand Out In a Hot Market - 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