For Home Buyers
Buying a home is an exciting time in one's life. Making the smart move of choosing a REALTOR® is your first step to ensure your new home and community meet your needs. Our services and experience range from financial information to helping you find the home that best suits you and your family. For your convenience, we also provide listings by email. We pride ourselves on repeat business! We hope you'll come to understand why our past clients rely on us to assist them in making this very important decision.
How We Can Help
Before you start looking
Closing Costs
- 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 recommending trusted lenders and inspectors.
- Help you determine the value 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.
- Provide you with outstanding informational materials to assist you in your decision making process.
Before You Start Looking For Your New Home:
- Check your credit rating. Correct any errors on the report before you apply for a loan.
- Determine a comfortable monthly budget range for your new purchase, including the down payment and monthly payment.
- Choose an experienced REALTOR you trust and who listens and understands your wants and needs.
- Let the REALTOR you choose assist you in finding a reputable lender.
- Find a loan program that meets your needs and get pre-qualified (preferably pre-approved) from the lender of your choice.
- Identify important features you require in your new home.
- Determine what neighborhood best matches your wants and needs.
- Lender fees include charges for loan processing, underwriting, preparation and establishing an escrow account.
- Junk Fees Check with your REALTOR to make sure the lender has NO "junk" fees (unnecessary fees) on your Good Faith Estimate.
- Third-party fees include charges for insurance, title search and other inspections such as whole house, radon and 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.
Find out how much your closing costs could be by getting a Good Faith Estimate from your lender!
