For BUYERS

Helpful information for buyers hoping to purchase real estate

Calculate Your Loan Payments

Filed in For BUYERS by on February 26, 2013
Calculate Your Loan Payments

Well before it is time to get serious about a specific home, you need to consider your financing options. We have provided a mortgage calculator so you can try out different choices:  30 year loan, 15 year loan, down payment and interest rates.  All you need to do is change the choice and the calculator […]

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Getting Started Buying a Home

Filed in For BUYERS by on February 24, 2013
Getting Started Buying a Home

From your doctor to your lawyer to your mechanic, you expect diagnosis and analysis before any prescriptions are made. I know you wouldn’t walk in to your doctor’s office and demand an operation in the morning. In fact, if your doctor agreed on the spot you would walk out muttering something about “quack” and “malpractice.” […]

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Step two: Getting a Real Estate Education

Filed in For BUYERS by on February 23, 2013
Step two: Getting a Real Estate Education

It can be overwhelming. Once you have finally decided to buy a home, maybe even gotten pre-approved for a specific price, you now have to decide where to look. Where is the best place to spend your housing dollars? It is step two, on the road. I call this process, getting an education. Let’s assume […]

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Buyer Financing

Filed in For BUYERS by on February 22, 2013
Buyer Financing

For most people, getting qualified for a loan is a must. There are as many loan programs as there are people looking to buy a home. Each program has its pros and cons. So depending up on your own special needs, our lender associates can find the one that will suit. How much will the […]

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Get a Property Inspection

Filed in For BUYERS by on February 16, 2013
Get a Property Inspection

After negotiating an accepted contract on the home of your choice it is recommended that you have the property inspected by a professional Property Inspector. Most often the contract will allow a reasonable period for this inspection to take place. The purpose of the inspection is to reveal unknown defects so that you will have […]

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Three Steps to Getting a Loan

Filed in For BUYERS by on February 16, 2013
Three Steps to Getting a Loan

Step 1: Examine your finances Start by determining how much mortgage you can afford. Lenders are apt to put your loan application in the best light and qualify you for as much as they are willing to lend, which can be more than you can afford or need. It’s up to you to take stock […]

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Changing Market Conditions Affect Buyers

Filed in For BUYERS by on February 16, 2013
Changing Market Conditions Affect Buyers

What is a Buyer’s Market? How does it differ from a Seller’s Market? …So what? Buyer’s Market When there are lots of properties on the market at the same time, the buyer has lots of choices and therefore often has the upper hand in negotiations. He can always go buy another house if any particular […]

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Make an Offer to Buy

Filed in For BUYERS by on February 14, 2013
Make an Offer to Buy

After you have satisfied yourself regarding the values and what your home-buying dollars will buy, you are ready to choose a home and make an offer on it. At this point we will kick into another gear. You will want to commit to a different time plan. Once you are ready to buy, you will […]

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Negotiating an Agreement

Filed in For BUYERS, For SELLERS by on January 16, 2013
Negotiating an Agreement

Negotiating has been described as a dance. Two parties each with its own issues and desires…Some of these are clear and obvious and others are hidden or obscure. The business of a negotiation is to satisfy the issues of both parties at the same time…thus the dance. The Basic steps are: Buyer writes his desires […]

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Mortgage Banker vs. Mortgage Lender

Filed in For BUYERS by on June 16, 2012
Mortgage Banker vs. Mortgage Lender

Back in the last century, before the banking fiasco that led to the first lending bailout, it was easy to figure out what a lender was. It was the local banker who lent money to a buyer to buy a home. It was generally lent for 20 years (or less.) The rate was fixed. Twenty […]

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