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 ensuring that your new home and community meets your needs. Our services and experience range from financial aid 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 and hope you'll come to understand why.
- 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 getting the best financing.
- 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.
- Help you with the home inspection, termite inspection, etc and help mitigate any potential serious issues
- Help you navigate the legal paperwork associated with a real estate transaction such as: FHA and VA addenda, contingencies and clauses, pre/post-settlement occupancies and more
- Provide access to contractors and service providers with good reputations in the industry
- 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.
- 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.
- ** An Earnest Money Deposit** this will have been collected at the time you make the offer and is held in escrow from the time the contract is ratified and held until closing. This is an important part of your offer to purchase the home. The EMD is typically 1.5-2% of the purchase price, so make sure to be prepared to write this check when you are putting together the offer. This is your demonstration to the seller that you are serious and able to buy. Additionally, the seller has something to hold on to if you default for a reason that is not outlined as a reason to void the contract in the terms of the contract. It is also refundable if the contract is voided for reasons set forth in the contract. If all goes well and no one voids, this money will be applied at closing towards the purchase of the home and will offset some of the costs you will be responsible for on the day of closing.