For Buyers
Before You Start Looking For Your New Home:
- Determine a comfortable monthly payment for your home purchase.
- Consult a lender of your choice to discuss the best loan program to fit your needs.(If you're a 1st time home buyer, ask about assistance programs which you may qualify for). Contact me if they don't service the.
- Decide how much down payment you will have. (3 1/2 % is the min. required for FHA loans).
- Choose a REALTOR® that you trust and who understands your needs.
- Determine what neighborhood best matches your needs.
- Identify important features you need your new home to have.
- Assure that you see all the properties that meet your criteria.
- Guide you through the entire home buying process, from writing an offer to the COE (Close of Escrow).
- Make sure you don't pay too much for your new home and help you avoid costly mistakes.
- Answer all of your questions about the local market area, including schools, neighborhoods, the local economy, and more.
Buyer's Closing Costs to Expect:
- Lender fees; for loan processing, underwriting, document preparation, interest and occasionally PMI (private mortgage insurance
- Third-party fees include charges for homeowners insurance, all home inspections.
- Government fees include deed recording and state & local mortgage taxes, real estate taxes
- Escrow Fees establishing an escrow account, title search
- HOA Fees (Homeowners Association), monthly and 1 time transfer fees, if applicable
- Assessment Fees (usually incurred for road and other improvements within that specific neighborhood community)
If you're selling your current residence, visit the Sellers Page
An Important Note to First Time Home Buyers: Although you may be pre-qualified for up to a certain dollar amount, think about what mort
