Buying a Home

Buying a Home: Your Exciting Journey Begins Here

Buying a home is one of the most exciting times in your life. Making the smart move of choosing a REALTOR® is your first step to ensuring that your new home and community meet your needs. Our services and experience range from financial aid assistance to helping you find the perfect home for 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.

As Your Agent, We Will:

• Ensure Access to All Listings: We make sure you see all the properties in the area that meet your criteria.
• Guide You Through the Home Buying Process: From finding homes to getting the best financing, we guide you every step of the way.
• Ensure Fair Pricing: We help you avoid overpaying and steer you clear of costly mistakes.
• Provide Local Market Insights: We answer all your questions about schools, neighborhoods, the local economy, and more.

Before You Start Looking for Your New Home:

1. Check Your Credit Rating: Learn how to check your credit rating. Straighten out any errors before it's too late.
2. Determine Your Budget: Establish a comfortable monthly budget for your new purchase, including the down payment and monthly payment.
3. Find the Right Loan Program: Explore different loan programs and get pre-qualified (preferably pre-approved).
4. Choose a Trusted REALTOR®: Select a REALTOR® that you trust and who understands your needs.
5. Choose the Right Neighborhood: Determine which neighborhood best matches your needs.
6. Identify Must-Have Features: List the important features your new home must have.

Closing Costs to Expect:

• Lender Fees: These include charges for loan processing, underwriting, preparation, and establishing an escrow account.
• Third-Party Fees: These include charges for insurance, title search, and inspections such as termite inspections.
• Government Fees: These include deed recording and state & local mortgage taxes.
• Escrow and Interest Fees: These include homeowner's insurance, loan interest, real estate taxes, and occasionally private mortgage insurance.

For more detailed information on home buying, check out these useful resources:

• Home Buying Guide by HUD
• First-Time Homebuyer Tips by NerdWallet
• Understanding Mortgage Rates by Bankrate

We look forward to helping you find your dream home. Contact us today to start your journey!

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