The Dumbest Mistakes Smart People Make When Buying a Home in Santa Cruz County and Monterey County



Dumbest Mistakes

 When buying a home in Santa Cruz County and Monterey County, you  need to become the VERY BEST BUYER possible. The benefits include more negotiating power, a smoother transaction, peace of mind and more.  Here are some mistakes that SMART BUYERS have made when purchasing a home.

Mistake #1 

Not knowing how much they can afford before they make an offer.

The easiest way to avoid this mistake is to get pre-approved for a mortgage, so you know in advance exactly how much you can afford.


Mistake #2 

Not realizing in advance whom the real estate agent represents.

When you call the agent on the sign in the yard, that agent most likely is working for the seller.  So beware that any information you give that agent may be used against you in negotiations with the seller.  The best way to avoid this conflict is to find an agent willing to work with you as a Buyer’s Agent.  Ask about my special BUYER’S VIP agreement.


Mistake #3 

Not discovering hidden defects before they buy a home.

One of the most expensive mistakes is also one of the easiest to avoid, by having a professional do a whole home inspection before buying the home.  Even if the home is new, we recommend full home inspections to avoid any problems in the future.


Mistake #4 

Giving a Social Security Number out to several different mortgage companies while shopping for rates.

Before you give out your personal information, decide which lender you would like to work with.  Credit inquiries may affect your credit rating and have a negative impact on loan amount, interest rate, etc.  There is a two week window in which you can shop for loans.   Check with your lender concerning this matter.

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About terriwoods

I help people buy and sell real estate in Oregon and California. I want to be the resource for all your real estate needs. If you have a question or even a comment - please feel free to call, email or even text. I take my customer service seriously. Visit my websites at and
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