For Buyers
Buying a home is an exciting time. We will help you take the steps to ensure that you are well informed, obtain the best financing and are successful in locating the perfect home.
Our market knowledge and experience (Yvonne, 28 years; Heather, 8 years) has resulted in hundreds of families who continue to come to us over the years for their real estate needs and also refer their friends and relatives. We've not only become their Realtors but their friends. We welcome the opportunity to also be of assistance to you now and in the years ahead.
For your convenience, we also provide listings by email.
Before you start looking - Let's talk a bit to make sure you are properly informed about your mortgage options and considering a comfortable price range. We'll also review the items on your "wish list." How many bedrooms and bathrooms do you need, would you like a formal dining room, a fireplace, do you prefer newer or older homes? What areas are you considering? Are there other important criteria on which to base your home search?
After reviewing this preliminary information, we'll have a better sense of direction and be better prepared to start the search for your new home. At the same time, you can begin your pre-approval process for your mortgage.
The Mortgage Process - Not all lenders are the same. There are many types of mortgages available and not all companies offer the same programs. Also, some companies act as a middle man and have extra processing fees that can result in doubling your closing costs! And only a handful of companies can offer state or local programs for first time buyers.
That's why it's important for us to talk before you proceed with a lender. After all, they are only going to sell you a product they can offer, and it doesn't necessarily mean you've gotten the best mortgage you could have! We will refer you to the lender who has the type of mortgage that works best for you, based on the information you provide regarding your goals and qualifications. They will be a reputable lender that is priced very competitively in rates and closing costs...a lender that offers the service you deserve.
Closing Costs
Lender fees include charges for loan processing, underwriting, document preparation and establishing an escrow account.
Third-party fees include charges for survey, title search, termite inspection, recording fees.
Escrow costs include homeowner's insurance, prorated interest for the month of the closing, real estate taxes, and occasionally private mortgage insurance.
Lending guidelines allow the Seller to pay these costs for the Buyer and this can often be negotiated in the Purchase Contract.
