Buyer Resources
Why take chances with your home purchase? You need the skill of an experienced REALTOR who you can trust. We will:
- 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.
There are some things you need to do before you can even start looking for your new home:
- Check your credit rating. Straighten out any errors before it gets in the way of your purchase.
- Determine a comfortable monthly budget for your new purchase, including down payment and monthly payment. Contrary to what many lenders will want you to believe, you don't have to spend every dime that you qualify for.
- 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.
There is no such thing as a "Zero Out-Of-Pocket" home purchase. Some costs of buying a house you should expect to pay are:
- Earnest Money Depositcan be of any amount you choose, however the more you put forward the stronger your offer looks. It's purpose is to show the seller how committed you are to the purchase of their property, and how much you are willing to risk for it. It's credited toward your costs at closing.
- Inspection Costsare the buyers sole responsibility. It's up to you to conduct any and all inspections necessary to be as aware as possible of the actual condition of the home.
- 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.
Need more information? Click on Real Estate Tips to order your free report today, or visit
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