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Congratulations! If you are reading this page on our web site
you are probably considering buying a home in the near future. We would like to thank you for the
opportunity to help guide you through your home buying process. It is a process that can be very
confusing and sometimes complicated, but one that is always important to you, your family, and your
future. The information that is provided on our web site will be beneficial to all levels of buyers,
from the first-time homebuyer to the experienced buyer. This site will walk you through the process,
as well as give you the tools to make the process easier. Please contact us
for additional
personalized assistance and to meet a competent and experienced
professional who will work to ensure a smooth and successful home-buying process.
- Planning
Understanding the reasons, including the pros and cons, of buying a house.
- What size loan can I qualify for?
What does it take to get financing and how much can you borrow.
- Good credit
What is a credit report, how does it effect you and how you can order one.
- Acceptable ratios
What are housing and debt ratios and what ratios do you need to qualify.
- Types of loans
The different types of residential real estate loans and how you can qualify.
- Loan application
Requirements for applying for a loan.
- Pre-qualification
How to pre-qualify; understand closing costs and calculate costs.
- Pre-approval
How a pre approved loan helps.
- Selecting an agent
How to qualify and select a selling agent.
- Market trends
What is a buyer's and a seller's market and what you do in these markets.
- Looking for a home
Prioritizing your needs in your search for a home.
- Offers
What is an offer and how you make an offer. What are counter and multiple offers.
- Contract
What is a valid contract, elements for a contract including mediation and arbitration.
- Disclosures
Explanation of the laws relating to real estate disclosures.
- Addendum
What are the different addenda's and how to use them.
- Inspections
Information about, and referrals for property, termite, roof and pool inspections, including hazardous materials.
- Escrow
What is the process of escrow and HUD1.
- Title
What is title insurance, types of title insurance and its pros and cons.
- Closing
Issues at closing, including vesting and walk through.
- Moving
Planning your move, DMV and post office change of address form; also locate moving companies.
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