Buying a home is an exciting time in one’s life. Making the smart move of choosing a REALTOR® is your first step to ensuring that your new home and community meets your needs. Our agents services and experience range from helping you find the home that best suits you and your family needs to helping you find an investment property (single family or commercial). We are experienced in traditional single family home buying, commercial contacts, short sales, foreclosures, HUD home buying, Lease Purchase, and Land Sales. We pride ourselves on repeat business and the relationships we build with our clients and hope you’ll come to understand why.
Your Agent Will:
- Find out, from you, exactly what you are looking for in a home, by asking you all the right questions.
- Provide listings for you by email for your convenience (if needed).
- Assure that you see all the properties in the area that meet your criteria.
- Guide you through the entire home buying process, from finding homes to look at, to referring you to the best financing companies and inspectors around.
- Make sure you don’t pay too much for your new home and help you avoid costly mistakes.
- Answer all of your questions about the local market area, including schools, neighborhoods, the local economy, and more.
Before You Start Looking For Your New Home:
- Check your credit rating. Straighten out any errors before its too late.
- Determine a comfortable monthly budget for your new purchase, including down payment and monthly payment.
- Find a loan program that meets your needs and get pre-qualified (preferably pre-approved).
- Choose a REALTOR® that you trust and who understands your needs.
- Determine what neighborhood best matches your needs.
- Identify important features you need your new home to have.
Closing Costs to Expect:
- Lender fees include charges for loan processing, underwriting, preparation and establishing an escrow account.
- Third-party fees include charges for insurance, title search, and other inspections such as termites.
- Government fees include deed recording and state & local mortgage taxes.
- Escrow and interest fees include homeowner’s insurance, loan interest, real estate taxes, and occasionally private mortgage insurance.
Other Useful Information and Links
- Qualifying for a Mortgage
- Choosing a Mortgage Lender
- Mortgage checklist
- What to ask a mortgage lender
- Mortgage Types & Rates
- Private Mortgage Insurance
- Mortgage Rates Fearbusters
- Buying Vs. Renting
- Understanding Mortgage Credit Scores
- Debt to Income Ratios (what are they)
- Loan to Value Ratio
- What does a Title Co. do
- Credit Report Tips, Finding Mortgage with Bad Credit
- What is an FHA Loan
- Bad Credit Mortgage Solutions, Fixing Credit
- Credit Scores and Reports, Mortgage Rates
- Down Payment How much do you need to save
- Mortgage Glossary