Buyers Tips
When starting the search process for a new home, it's important to analyze your wants and needs first and then communicate that information to your REALTOR®. Here are some things you should consider:
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Should I use a real estate broker? How do I find one?Answer: Using a real estate broker is a very good idea. All the details involved in home buying, particularly the financial ones, can be mind-boggling. A good real estate professional can guide you through the entire process and make the experience much easier.
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The most important thing you can do first, as a home buyer, is to find a Buyer Agent to work with on the purchase of your largest investment.
Whether you are a first time homebuyer, or you have bought and sold homes many times in the past, working with a Buyer Agent you can trust can help save many dollars & lots of possible headaches!
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This is a detailed summary of costs you may have to pay when you buy or refinance your home. They are listed in the order that they should appear on a Good Faith Estimate you obtain from a mortgage lender.
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What's the difference between pre-qualification and pre-approval? In the world of real estate the terms "pre-qualification"and "pre-approval" are often used interchangeably. But they have different meanings. A pre-qualification is an estimate of how much you can afford in a mortgage payment.
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Making an Offer
Once you have settled on a house you wish to purchase, this must be communicated in writing to the seller. Your Realtor or any attorney may prepare this instrument. The local boards of realtors, in conjunction with their attorneys, provide a standard form (Contract for purchase and sale of real estate) which is used by your agent to communicate your intentions.
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There is a lot of interest in buying bank owned properties these days. A lot of information, some good and some bad, is floating around about the subject. Often the information offered is for sale, with the promise that you can make a lot of money with little effort once you know “the secret formula”. The fact is that there are no secrets, and to make money does require effort.
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Some important points to consider..
For most home purchasers, the sales price is the most important term. Recognize that other non-monetary terms of the agreement are also important.
Title."Title" refers to the legal ownership of your new home. The seller should provide title, free and clear of all claims by others against your new home. Claims by others against your new home are sometimes known as "liens" or "encumbrances." Read more ...
*Your Team*
A successful purchase starts with the right representative. In fact, once you’ve selected the best agent to represent you, it is likely that he or she can recommend other professionals to join your team, taking more of the responsibility off of your shoulders.
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Whatever the reason you are thinking about a home, there are 12 steps you will inevitably take. If you do them in the right order, you will save yourself time, frustration, and money. For example, if you start shopping for homes on the Internet without knowing how much you can spend, you will not only waste time looking at the wrong homes, but you may ultimately be disappointed at what you can actually afford.
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Benefits of Hiring an Exclusive Buyer's Agent:
Captures your needs.
Arranges property showings.
Coordinate showings with multiple listing agents and FSBO's.
Can visit properties for you in advance.
Selects only those properties that meet your specific needs and wants.
Explains forms and agreements...
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What We'll Do For Our Buyers
Ø Help you determine your needs and wants.
Ø Arrange property showings.
Ø Show properties and surrounding areas.
Ø Track new and revised listings that meet your search criteria.
Ø Help you determine your needs and wants.
Ø Arrange property showings.
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Before you sign an agreement of sale, you might consider asking an attorney to look it over and tell you if it protects your interests. If you have already signed your agreement of sale, you might still consider having an attorney review it.
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Moving tips - before you leave your present address:
Eight weeks before, remove unnecessary items from your attic, basement,storage shed, etc. Use things you can't move, such as frozen foods and cleaning supplies.
Obtain information about your new community.
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Home Buyer Tip: Finding the Perfect Neighborhood Tips for Finding the Perfect Neighborhood - The neighborhood you choose can have a big impact on your lifestyle¡Xsafety, available amenities, and convenience all play their part.
Home Buyer Tip: 5 Credit Score Factors That Decide Your Credit Score range between 200 and 800. Scores above 620 are considered desirable for obtaining a mortgage.
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1. A real estate transaction is complicated. In most cases, buying or selling a home requires disclosure forms, inspection reports, mortgage documents, insurance policies, deeds, and multi-page government-mandated settlement statements. A knowledgeable guide through this complexity can help you avoid delays or costly mistakes.
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How about a chance to win a new iPod!
