For Buyers
Whether you are a first time home buyer or have done this many times, your smartest move is to choose a professional REALTOR®. Our service and experience will get you the property you want, save you money and reduce the hassles of moving. We pride ourselves on repeat business and are confident you'll come to understand why.
HOW TO HELP YOURSELF
CLOSING COSTS
WHAT WE WILL DO FOR YOU:
- Consult with you to determine your particular real estate wants and needs, including providing information regarding the advantages and disadvantages of the choices available to you, thereby helping you make informed decisions.
- Maintain your confidentiality and represent your best interests throughout your buying process.
- Help you define your financial ability to purchase, explain alternative methods of purchasing and financing, and assist in arranging mortgage financing.
- Provide an Action Plan for locating the right property, at the right price and terms, in an acceptable time frame.
- Search to locate the property that will best meet your needs and wants. This may include properties listed with our office, or offered through other real estate companies, as well as unlisted properties.
- Show properties that meet your specifications, in accordance with Fair Housing Regulations and ethical real estate practices.
- Disclose material facts known about the property, and other relevant information that is likely to affect your ability to obtain the right price and terms.
- Assist you in evaluating the market value of properties that are of interest to you, and suggest negotiating strategies to help you obtain the most advantageous price and terms.
- As your advocate, advise and assist you in completing your purchase agreement, and present your offer in a light most favorable to you.
- Refer you to other professionals (attorneys, accountants, inspectors, mortgage lenders, etc.) for information or assistance as appropriate.
- Upon acceptance of an offer between you and the seller, monitor all pre-settlement (escrow) activities throughout the closing process as permitted by law or local practice.
- Consult and communicate with you on a regular basis throughout your entire real estate purchase process.
- Click credit rating to do a credit check. Resolve any errors before its too late.
- Determine a comfortable monthly budget for your new purchase, including not only loan principle and interest but also property taxes and insurance. Don't forget the downpayment and earnest money.
- Click loan program to find a mortgage that meets your needs and get pre-qualified (preferably pre-approved).
- Choose a REALTOR® that has integrity, and is competent, organized and who you trust.
- Identify the important property features you need and the factors determining where you want to relocate.
CLOSING COSTS:
- Lender fees: includes charges for loan processing, underwriting, preparation and establishing an escrow account.
- Third-party fees: includes charges for title insurance, title search, and inspections.
- Government fees: includes deed recording and state & local mortgage taxes.
- Escrow and interest fees: includes homeowner's insurance, loan interest, real estate taxes, and occasionally private mortgage insurance.
