BUYERS PAGE...For Additional Special Reports For Buyers...click here
Buying a home is an exciting time in your life. Making the smart move of choosing a Realtor is the first step to ensuring that your new home and community meets your needs. Our service and experience ranges from helping you find the ideal home, negotiating the best price to pre-approval for your loan and guiding you through the entire process from start to finish. As an e-agent office, we also provide you with listings of properties by email and daily updates as well. We offer Service Beyond Your Expectations and are confident that you will be a happy repeat customer and refer our services to those you know and care about.
As Your Agent We Will...
Assure that you see all the properties in your chosen area that meet your criteria.
Guide you through the entire home buying process:
1. From finding your dream home
2. To getting the best financing
3. Making sure you don’t pay too much for your home
4. Help you to avoid costly mistakes and get you safely through any problems that could arise.
5. And make the process as stress free and fun as possible.
6. We will answer all your questions about the local market, including schools, the local economy
7. Help you know how to get your utilities set up
8. Help you get moved into your new home.
Before You Start Looking For Your Home...
1. Check your credit rating, straighten out any errors to make your FICO score as high as possible so that you get the lowest interest rate available on your mortgage.
2. Determine how much you want to pay for your monthly payment including the mortgage, taxes, and insurance, and the amount you have available for down payment. If you need down payment assistance, we can help you with that also.
3. Then you will need to find a loan program that meets your needs, and get pre-approved, so that you know exactly how much you can spend on your home.
4. Determine which cities and neighborhoods best meet your family needs.
4. Determine what features you want your new home to have.
Why You Need a Realtor To Assist You:
Imagine that buying a home is like flying in an airplane for the first time...
Pretend that I am your pilot...
...and you are my passenger...
We may or may not run into turbulence.
Have you ever been a passenger in a plane? 
Have you ever experienced turbulence while in a plane?
Then you know what turbulence feels like...not very comfortable, and definitely scary!
To make it easy for you to see everything that I do for you, that you don’t see, because you are in the passenger seat, I created a list of 88 different types of turbulence that you may or may not experience during your transaction.
Click here to get that Turbulence List so that you will be aware of all the valuable things your Realtor
Does for you during every transaction.
It is important to use a Buyers Agent and not the agent who listed the house for the seller. The Buyers Agent represents you, whereas, the Listing Agent represents the seller and is under legal obligation to get the best deal they can for the seller. It is not recommended to use the listing agent for both sides of the transaction as they will have a conflict of interest and they represent the seller.
* They have access to every home for sale in the area
* They will make the appointments and open the houses to you.
* They are knowledgeable about things to watch for that could be wrong with the property.
* They will write up the contract helping you understand all the real estate terminology.
* They will negotiate the contract to get the best possible deal for you because you hired them and they work exclusively for you.
There are over 100 pieces of paper of paper and over 43 signatures and initials required, and every "i "must be dotted and every "t "crossed exactly, and making a mistake is what the Realtor is trained to help you avoid.
Every transaction has between 100 to 150 phone calls and fax transmissions, and every one of them is loaded with critical legal details that must be done perfectly.
There are7 STAGES of your transaction and there will be approximately 43 people from 14 different industries that get involved during the 7 STAGES of your transaction.
We will take care of all these details, so that your ride will be as fun, easy, and stress free as humanly possible.
We will be contacting you a couple of times a week just to let you know how things are going and if we need anything from you.
A few days before closing, you will receive a Truth In Lending or Settlement Sheet which will designate exactly what monies you will need to bring at closing. We will also receive the same information and will double check it to make sure it is accurate. If any changes need to be made, we will see that they are corrected.
What to Expect at Closing:
You and I will meet at the pre-arranged Title Company on the scheduled settlement or closing date, with the Escrow officer, where you will sign, initial, and date all the required documents for the loan.
There will be Lender Fees which include charges for loan processing, underwriting, document preparation and establishing an escrow account.
Third Party Fees charges for insurance, title search, inspections, and appraisals.
Government fees include deed recording, and state and local taxes.
Escrow and Interest Fees include home owner’s insurance, loan interest, real estate taxes, and occasionally private mortgage insurance.
Then you can go to closing or settlement, bring in your down payment and closing costs, and get the keys as soon as the transaction is recorded and and your loan funds.