Preparing for Homeownership: What You Need to Know in 2024 with Dave Osburg

By Ashley  Published On September 3, 2024

Have you ever wondered what it truly takes to navigate the complex and often overwhelming world of home buying? Whether you’re a first-time buyer or a seasoned homeowner, the journey is full of twists and turns. Today, we’re exploring the real estate market with someone who knows it inside and out.

Our guest today is Dave Osberg, a Branch Manager at Stockton Mortgage in Fort Thomas, Kentucky, who has spent nearly three decades helping people achieve their dreams of homeownership. But it’s not just about securing a loan; it’s about understanding every step of the process, from preparation to the final signature on the dotted line.

In today’s episode, we’ll uncover Dave’s invaluable advice for buyers in this crazy market, as he calls it, and discuss the importance of being fully prepared before diving into a home purchase. We’ll also touch on some lesser-known tips, like how to protect your personal information from being sold by credit bureaus.

So whether you’re in the market for a new home, thinking about refinancing, or just curious about how the mortgage industry really works, you won’t want to miss this conversation. Get ready to learn from one of the best in the business.

Episode Highlights: 

[01:25] Dave discusses the current real estate market, describing it as “crazy” and full of challenges for both buyers and sellers.

[04:19] The importance of buyers being fully prepared including understanding their finances and getting pre-approved with a loan officer.

[05:09] Dave shares insights on protecting personal information from being sold by credit bureaus, which is a lesser-known issue for many buyers.

[07:16] Get pre-approval and have your income vetted.

[08:26] It’s important to really understand what your loan looks like. Get pre-approved, have an approval letter, and understand your options with a loan consultation.

[10:21] Special programs that meet a buyer’s needs can be highlighted during the loan consultation.

[12:08] Be involved with the realtors who are involved with your transaction.

[14:46] Dave takes his job seriously and takes care of his customers the way he would want to be taken care of.

[16:59] Dave loves working at Stockton Mortgage and taking care of his clients.

[22:36]  Reach out to Stockton Mortgage for your home-buying needs.

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