Wanting to buy a home?

Decisions...Decisions...Decisions...Decisions

Choose a REALTOR - They can represent your interests in the transaction. They can give you the information needed to help with all the decisions that you will need to make.

• Neighborhood - How long will I live there? What is important to me? Overall appearance, proximity to schools, shopping, taxes, zoning. What about future property values?
• Choosing Schools - What do I need to know? What is important to me? How do I find out?
• Choosing a Home - How much can I afford? Do I buy what I need now or invest in a larger home for the future?
• Making an Offer - Is the house worth what I am paying? How do I know what to offer?
• Earnest Money - What will happen to the money? How much do I need to give?
• Selecting a Lender - What type of loan should I get? Fixed, Adjustable (ARM), Balloon, VA, FHA, Graduated, Owner Financing, Wrap Around, 100%? Why the different rates and why the points? How much money do I need? What is closing costs all about? 
• Applying for a Loan - Do I check around for rates? What is Credit Scores? Credit Scores are very important and will tell you what your ability to borrow money is. Most people don't realize that every time you apply for credit cards, look in to buying a car, check in to a mortgage loan, your credit report is accessed. Each time your credit report is accessed, your credit score drops. The high your score is, the better terms on your new loan.
• Closing the Contract - Includes: Loan approval, inspections on the property, repairs, securing free and clear title, current and future taxes, existing loans, homeowners insurance, documents, disclosures, recording and ultimate transfer of funds, title and paperwork.

Costs, Insurance, Packing and Income Tax....

Contact the Professional - Your First Class Realtor - We can help you find the answers to these and other questions you might have.