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BUYER INFORMATION:

 

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Why You Should Work With a REALTOR®

Not all real estate practitioners are REALTORS®.  The term is a registered trademark that identifies a real estate professional who is a member of the NATIONAL ASSOCIATION OF REALTORS® and subscribes to its strict Code of Ethics.  Here are five reasons why it pays to work with . . . 


 

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What is a Home Warranty?

A home warranty is a service contract, normally for one year, which helps protect home owners against the cost of unexpected covered repairs or replacement on their major systems and appliances that break down due to normal wear and tear. Coverage is for systems and  . . .


 

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What Not To Overlook During Your Final Walk-Thru

It’s guaranteed to be hectic right before closing, but you should always make time for a final walk-through. Your goal is to make sure that your home is in the same condition you expected it would be. Ideally, the sellers already have moved out. This is your last chance to . . .


 

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What a Home Inspector Should Cover

Home inspections will vary depending on the type of property you are purchasing. A large historic home, for example, will require a more specialized inspection than a small condominium. However, the following are the basic elements that a home inspector will check. You can also use this list to . . .


 

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Tips for Finding the Perfect Neighborhood

Your neighborhood has a big impact on your lifestyle. Follow these steps to find the perfect community to . . .


 

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Tips for Buying in a Tight Market

Increase your chances of getting your dream house in a competitive housing market, and lower your chances of losing out to . . .


 

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How To Take the Stress Out of Buying A Home

Buying a home should be fun, not stressful. As you look for your dream home, keep in mind these tips for making the process as . . .


 

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Questions To Ask When Choosing a REALTOR®

Make sure you choose a REALTOR® who will provide top-notch service and meet . . .


 

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The Pros & Cons of Purchasing a Condo

Condominiums and townhouses offer an affordable option to single-family homes in many markets, and they’re ideal for those who appreciate a maintenance . . .


 

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Questions To Consider For A High-Tech Home

If the latest technology or entertainment options are important in your new home, add the following questions to . . .


 
 

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Common Buyer Closing Costs

You’ll likely be responsible for a variety of fees and expenses that you and the seller will have to pay at the time of closing. Your lender must provide a good-faith estimate of . . .


 

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Closing Documents You Should Keep

On closing day, expect to sign a lot of documents and walk away with a big stack of papers. Here’s a list of the most important documents you should file away for  . . .


 

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Tips for Packing Like A Pro

Moving to a new home can be stressful, to say the least. Plan far in advance and make sure to cover . . .


 

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Common Questions To Ask The Condo Board

Before you buy, contact the condo board with the following questions. In the process, you’ll learn how responsive — and organized — its members are. You’ll also be alerted to . . .


 

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Ten Questions To Ask Inspectors

Before you make your final buying or selling decision, you should have the home inspected by a professional. An inspection can alert you to potential problems with a property and allow you to . . .


 

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7 Reasons To Own Your Home

There are several reasons why you should own your own home.  To see if  . . .


 

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5 Things To Know About Title Insurance

Title insurance protects the holder from any losses sustained from defects in the title and is required by most mortgage lenders. Here are five other things you should . . .


 

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5 Things To Know About Homeowner's Insurance

1. Know about exclusions to coverage.  For example, most insurance policies do not cover flood or earthquake . . .


 

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Your Property Wish List

What does your future home look like? Where is it located? As you hunt down your dream home, consult this list to evaluate properties and keep your priorities . . .


 

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What You Can Do To Improve Your Credit

Credit scores, along with your overall income and debt, are big factors in determining whether you’ll qualify for a loan and what your loan terms will be. So, keep your credit score high by doing the following:

 

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Tips for Lowering Homeowner's Insurance Costs

1. Review the Comprehensive Loss Underwriting Exchange (CLUE) report on the property you’re interested in buying. CLUE reports detail the property’s claims history for the most recent five years, which insurers . . .


 

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Tax Benefits of Homeownership

The tax deductions you’re eligible to take for mortgage interest and property taxes greatly increase the financial benefits of homeownership. Here’s how it works.   . . .


 

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Get Your Finances In Order Now

1. Develop a houysehold budget instead of creating a budget of what you’d like to spend, use receipts to create a budget that reflects your actual spending habits over the last several months. This approach will factor in unexpected . . .


 

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Loan Types To Consider

Brush up on these mortgage basics to help you determine the loan that will best suit your needs  . . .


 

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How Big of a Mortgage Can I Really Afford

Not only does owning a home give you a haven for yourself and your family, it also makes great financial sense because of the tax benefits — which you . . .


 

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Budget Basics Worksheet

IThe first step in getting yourself in financial shape to buy a home is to know exactly how much money comes in and how much goes out. Use this worksheet to . . .


 

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10 Questions To Ask Your Lender

Here are some suggestions of questions you can ask your Lender.  Always do your homework and be well prepared.


 

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8 Tips To Guide Your Home Search

Here are some tips to help you get moving towards homeownership.  If you don't know where to begin, this guide will help you get moving.


 

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6 Creative Ways To Own A Home

There are various ways you can get assistance with the process of buying a home.  Be sure to ask your REALTOR® about money available in your local area, because programs come and go based on various factors.


 

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5 Property Tax Questions You Need To Ask

The Tax Assessor’s office can provide lots of information about the assessed value of any property.  Lots of information is now available on the internet, but if not . . .

 
 

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5 Factors That Decide Your Credit Score

Credit scores range between 200 and 800, with scores above 620 considered desirable for obtaining a mortgage. The following factors affect . . .


 

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Speciality Mortgages:  Risks & Rewards

In high-priced housing markets, it can be difficult to afford a home. That’s why a growing number of home buyers are forgoing traditional fixed-rate mortgages and standard adjustable-rate mortgages and instead opting for a specialty  . . .


 

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Lender Checklist

IWhen buying a home, the Lender requires several documents in order to assess your ability to pay the loan back.  Here is a list of common items to help you move closer towards buing a home.


 

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Common First Time Buyer Mistakes

As a First Time Buyer, you are new to the process of buying a home.  Here are some common mistakes you can avoid. 


 
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