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Rent Realtor: Why it may be a Better Idea to Rent a Home in this Market than to Buy by Andrew Stratton

Rent Realtor: Why it may be a Better Idea to Rent a Home in this Market than to Buy by
Article Posted: 12/03/2009
Article Views: 991
Articles Written: 5522
Word Count: 474
Article Votes: 23
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Rent Realtor: Why it may be a Better Idea to Rent a Home in this Market than to Buy

Real Estate
Though the analysts say that we are coming out of this recession, but unemployment rates are still high, retail sales are low, home sales are low, home prices are still undervalued and foreclosure rates are still up. Yes, this is a buyer's market, but is it for you? Here are some factors to consider and help you decide if you need a buy:

Credit approval-Well, it has become even harder to qualify for a home loan these days. It isn't enough to have a good credit score; you have to have an excellent credit score. Prior lending practices are why we are in this crazy market filled with foreclosed homes and banks are doing what they can to avoid a repeat. They are also being stingier with their credit as well.

Amount of paperwork-With a rent realtor, you won't have the same amount of paperwork that is required when buying a home.

You will have to show what your income is to rent, but nothing like the proof required buying. Because of the more stringent lending practices, the stack of paperwork and disclaimers for buying a home has increased significantly.

High down payment-Gone is the days when you could put down what you could afford. Because of lending problems that led to this current crisis, banks are no longer letting the 20% down-payment slide. They are protecting their investment by requiring a minimum of 20%.

Uncertain market-Though it seems the economy is turning around, you have no guarantee that your home's value has reached its bottom nor do you know if the number of foreclosures in your market will go up, which lowers your value. Sometimes it is better to play it safe.

Shape of the house-Yes, the market is currently flooded with foreclosed homes. While this can lead to some great deals, it also leads to extensive repair and remodel expenses. By renting, your landlord is obligated to maintain the home so that everything is in working order and safe.

Longevity-What is your employment situation? Are you stable? Will you need to move to find work or to keep your current job? If you are at all unsure about the stability of your employment or think that you may be moving within the next 3-5 years, renting is a more sensible option.

Realtor can help you figure out what the best option is for your situation. While buying a home is a good investment, sometimes the time is just not right. Evaluate your personal, professional and financial situation carefully to determine if it makes sense for you. If there are any doubts, put a roof over your head by renting until you are sure.

In Asheville NC, real estate agents help you with all real-estate related work. You can now put your worries to rest. To know more, visit

Related Articles - asheville north carolina real estate, asheville nc real estate, real estate asheville nc,

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