1. You don’t pay your real estate agent.
The seller pays them. This explains why some agents might try and make you spend more than you can afford on a house, because that means a bigger commission for them. But the good ones won’t push you, so get one of those.
7. Choosing a mortgage lender is like choosing a college.
Should you go with a big company or a small company? Ah, who cares? Like college, this will only put you farther in debt and will force you to eat ramen noodles and Tang, since that will be all you can afford now.
11. Remember that mortgage you stressed about choosing? It is almost immediately sold to another company.
What happened to the super nice guy who convinced you to go with his company? Oh, yeah, he’s laughing all the way to the bank. But who cares, because now you’re in your new place and here is where the real fun begins.
12. You will receive a plethora of “important” mail.
None of it is important, and sometimes not even real. However, you are now somehow on some sort of new-homeowners mailing list. And your mailbox will be packed to the brim with life insurance offers reminding you that someday your new home might just kill you.
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