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.
Remember that if you are out on your own looking at houses with the listing agents, that the listing agent by law, is representing the Seller not YOU! And a study reveals that a buyer without an agent often pays more for a home.
How We Can Help
Before you start looking
Closing Costs
- 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.
- Help you buy the home you want, not try and pressure you in buying the home we want to sell you!
- Answer all of your questions about the local market area, including schools, neighborhoods, the local economy, and more.
- Listen to you, and treat you the way we would like to be treated.
- Recognize that your time is important.
- Coordinate all closing activities to facilitate a smooth and on-time closing.
Before You Start Looking For Your New Home:
- Check your credit rating with a good mortgage officer, we have recommendations.
- With your loan officer, determine a comfortable monthly budget for your new purchase, including down payment and monthly payment.
- "Comfortable" for you may be less than what you are qualified for, and that's okay.
- Your loan officer will find a loan program that meets your needs and get you 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.
