First-Time Home Buyers

If you are a first-time home buyer, use the guide below for helpful hints and tips and learn how to avoid common mistakes when buying your first home in Howard/Suamico, WI.

  • Pre-Qualification: Meet with a mortgage broker and find out how much you can afford to pay for a home.
  • Pre-Approval: While knowing how much you can afford is the first step, sellers will be much more receptive to potential buyers who have been pre-approved. You'll also avoid being disappointed when going after homes that are out of your price range. With Pre-Approval, the buyer actually applies for a mortgage and receives a commitment in writing from a lender. This way, assuming the home you're interested in is at or under the amount you are pre-qualified for, the seller knows immediately that you are a serious buyer for that property. Costs for pre-approval are generally nominal and lenders will usually permit you to pay them when you close your loan.
  • List of Needs & Wants: Make 2 lists. The first should include items you must have (i.e., the number of bedrooms you need for the size of your family, a one-story house if accessibility is a factor, etc.). The second list is your wishes - things you would like to have (pool, den, etc.) but that are not absolutely necessary. Realistically for first-time buyers, you probably will not get everything on your wish list, but it will keep you on track for what you are looking for.
  • Representation by a Professional: Consider hiring your own real estate agent, one who is working for you, the buyer, not the seller.
  • Focus & Organization: In a convenient location, keep handy the items that will assist you in maximizing your home search efforts. Such items may include:
  1. One or more detailed maps with your areas of interest highlighted.
  2. A list or file of the properties that your agent has shown to you.
  3. Paper and pen for taking notes as you search.
  4. A camera to snap pictures of homes you have toured to help you remember your favorites and features you really liked.
  • Visualize the house empty & with your decor: Are the rooms laid out to fit your needs? Is there enough light?
  • Be Objective: Instead of thinking with your heart when you find a home, think with your head. Does this home really meet your needs? There are many houses on the market, so don't make a hurried decision that you may regret later.
  • Be Thorough: A few extra dollars well spent now may save you big expenses in the long run. Don't forget such essentials as:
    1. Include inspection & mortgage contingencies in your written offer.
    2. Have the property inspected by a professional inspector.
    3. Request a second walk-through to take place within 24 hours of closing.
    4. You want to check to see that no changes have been made that were not agreed on (i.e., a nice chandelier that you assumed came with the sale having been replaced by a cheap ceiling light).

All the above may seem rather overwhelming. That is why having a professional represent you and keep track of all the details for you is highly recommended. Please contact us directly to discuss any of these matters in further detail.

5 Star Review
Allie Broeniman  See Google Reviews on Renard Realty Business Page
Allie Broeniman
006Morgan????? 9 weeks agoShane was great to work with! He was very responsive and always open and willing to help and answer all our questions. He made buying a home a smooth process. Would highly recommend!!

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Morgan & Shane Miller
Scott Oconnor????? 10 weeks ago - 5 StarsThe user didn't write a review, and has left just a rating.
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Scott & Carla O'Connor
Tom B????? 14 weeks agoShane is one of the best agents you will ever meet. He is a data junkie, he can tell you exactly what your house will bring in the current market and he has the facts to back it up, if you ever get to watch him work up the numbers, you will be amazed at how savvy this guy is. He will bring you $20,000 to $60,000 more for your property than most other realtors will, but at the same time, if you have an unrealistic price in mind, he will tell you point blank you may have to let the property sit on the market for a long time to get the price. He is highly efficient. Because he is so good, he is extremely busy. Send him emails, and you will always have an answer by the next day. When a realtor is showing 8 properties and writing offers on 2 of them in a day, he may not have time to respond to your voicemail, if you text while he is with another client, he will definitely be focused on his client, not on his phone. That's how I'd like my realtor to be. If you send an email, he sits down to respond to all his emails in batches several times a day, and you will get a response to your issue at that time. I've listed with Shane 5 times over the last 3 years, and he's gotten me $130,000 than any of the next highest realtors quoted me, and I checked with quite a few of them. I've seen some other negative reviews on here, and I think that if a realtor can get you an average of $26,000 extra for your property, it's well worth the time to figure out his preferred communication style. You'll be happy you took the time to get to know him, and your bank account will be too! 

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Tom Broadhagen
Tia Duncan????? 5 days agoShane is a consummate professional. He goes above and beyond to promote and market his listings. And, let’s talk about those videos! OMG! They showed our home in the very best light. We would only ever use Renard Realty. Thank you, Shane!
Tia & Kelly Duncan
ashley brault????? 5 days agoShane was amazing to work with he helped me buy my old home as well as my current one and is now in the process of selling my old home for the second time, already have people interested before its even hit the market!
Ashley Brault
Steve D????? 5 days agoI've worked with Shane for several years on many deals and have always found him to be very responsive and proactive. I will continue to utilize him, and recommend him to anyone looking for a great realtor.
Steve Donovan
Yvonne Kabara????? 5 days agoFirst time home buyer - looking for my retirement home. Shane Renard was amazing! He listened to what I wanted and worked very hard to find me a good fit for my needs. Shane is honest, hard working, and cares about his clients. I would strongly recommend Shane to any buyer or seller. Yvonne K.
Yvonne Kabara
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