“Not All First Time Home Buyers Understand”

“Not All First Time Home Buyers Understand”



We had the inspection done today, how soon will we know if the house is ours?


During the pre-qualification process I explain as much of the mortgage process as is possible at that point. During the home search I go over what the mortgage payment would be and sometimes different loan products. During the mortgage application, I go over everything that will be needed to complete the process and most importantly a list of do’s and don’ts.


No matter how many times I go through the explanations, I can’t forget that what I say to a prospective buyer or buyers may be interpreted as something totally different. All of us connected to a real estate purchase need to do lots of handholding, especially with first time home buyers.


Image courtesy of StuartMiles/freedigitalphotos.net

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Joe Petrowsky, NMLS #6869

Right Trac Financial Group, Inc. NMLS #2709

110 Main St.

Manchester, Ct. 06042

Office: 860 647-7701 x116

Fax: 860 647-8940

Cell: 860 836-9294

Email: joe@righttracfg.com



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Joe Petrowsky does not guarantee nor is in any way responsible for the accuracy of the information provided herein, and provides said information without warranties of any kind, either expressed or implied.

Equal Housing Statement: We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the Nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing becuase of race, color, religion, sex, handicap, familial status, or national origin.

Comment balloon 19 commentsJoe Petrowsky • May 19 2016 01:14PM


Hi Joe.  I totally understand where you're coming from with this post.  I often wonder why people just don't hear what I say.  Is it the way I say it or they just aren't listening.

Posted by Gabe Sanders, Stuart Florida Real Estate (Real Estate of Florida specializing in Martin County Residential Homes, Condos and Land Sales) almost 4 years ago

Been there, done , or shall I say, have said that on too many times, Joe Petrowsky It is human nature to only hear what one wishes to hear.  It is up to us to keep our patience and speak slowly.

Posted by Sandy Padula and Norm Padula, JD, GRI, Presence, Persistence & Perseverance (HomeSmart Realty West & Geneva Financial, Llc.) almost 4 years ago

Good morning again Joe. This is certainly true. It takes time to develop a sense of the process.

Posted by Sheila Anderson, The Real Estate Whisperer Who Listens 732-715-1133 (Referral Group Incorporated) almost 4 years ago

Thank you for the post. I hope home buyers will read it and learn from it.

Posted by Gita Bantwal, REALTOR,ABR,CRS,SRES,GRI - Bucks County & Philadel (RE/MAX Centre Realtors) almost 4 years ago

This is a very good reminder that many first time home buyers need to be coached on the the process and the expectations.

Posted by Roy Kelley (Realty Group Referrals) almost 4 years ago

You mean like the couple we were dealing with a few months ago who we told them not to buy any big ticket items...and they bought a smaller car than they wanted! We didn't mean the size of the item!

Posted by Lawrence "Larry" & Sheila Agranoff. Cell: 631-805-4400, Long Island Home and Condo Specialists (The Top Team @ Charles Rutenberg Realty 255 Executive Dr, Plainview NY 11803) almost 4 years ago

Sounds like either an agent who was not doing her job...OR ....Buyers who were not listening.

Posted by Sally K. & David L. Hanson, WI Real Estate Agents - Luxury - Divorce (EXP Realty 414-525-0563) almost 4 years ago

What you say and what they hear is not always in sync! Repeat as necessary! Enjoy your day!

Posted by Wayne Martin, Real Estate Broker - Retired (Wayne M Martin) almost 4 years ago

Joe, not all first time home sellers know either.   I closed a home on Friday where the seller asked all along if it would close.

Posted by Joan Cox, Denver Real Estate - Selling One Home at a Time (House to Home, Inc. - Denver Real Estate - 720-231-6373) almost 4 years ago

Good morning, Joe -- a real estate transaction involves a lot of hand holding and explaining over and over and then over again.   And sometimes it's not just first timers but repeat buyers too and as Joan Cox commented -- sellers too.  

Posted by Michael Jacobs, Los Angeles Pasadena 818.516.4393 almost 4 years ago


You are so right...The attention span of the majority is 10 seconds.  They need to have things repeated and their hands held.  A

Posted by Ron and Alexandra Seigel, Luxury Real Estate Branding, Marketing & Strategy (Napa Consultants) almost 4 years ago

Hi Joe Petrowsky Not just first time buyers by a long shot. Even second, third and even fourth time buyers need handholding and repeated answers.

Bill Roberts

Posted by Bill Roberts, "Baby Boomer" Retirement Planner (Brooks and Dunphy Real Estate) almost 4 years ago

Hand holding fir first-tie buyers is indeed what agents do to ensure they don't miss a step in the process.

Posted by Rebecca Gaujot, Realtor®, Lewisburg WV, the go to agent for all real estate (Vision Quest Realty) almost 4 years ago

Joe I find your point very appropriate just because we say or write something to the buyers it does not mean it is understood or interpreted the way we wanted to and often times we have to re-visit the same subject over and over. Endre

Posted by Endre Barath, Jr., Realtor - Los Angeles Home Sales 310.486.1002 (Berkshire Hathaway HomeServices) almost 4 years ago

First time buyers are fun to work with need lots of patience. I don't mind saying things more than once.

Posted by Debbie Reynolds, Your Dedicated Clarksville TN Real Estate Agent (Platinum Properties) almost 4 years ago


Home buyers can become excited about the home buying process and not hear or remember what is being said.

Good luck and success.

Lou Ludwig

Posted by Lou Ludwig, Designations Earned CRB, CRS, CIPS, GRI, SRES, TRC (Ludwig & Associates) almost 4 years ago

Joe I love working with first time homebuyers, but some time I wonder if they listen to a word I said.

Posted by George Souto, Your Connecticut Mortgage Expert (George Souto NMLS #65149 FHA, CHFA, VA Mortgages) almost 4 years ago

Well Joe, I assume nothing scared them or they had a very ineffective home inspector!!

Posted by Ginny Gorman, Homes for Sale in Southern RI and beyond (RI Real Estate Services ~ 401-529-7849~ RI Waterfront Real Estate) almost 4 years ago

Sounds like the Realtor needs to step up a bit and make things crystal clear as well.

Posted by Belinda Spillman, Colorado Living! (Aspen Lane Real Estate Colorful Colorado) over 3 years ago