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Some useful tips when purchasing your new home...

Buying a home can be a real headache. We realize that you don't have much time to decide on all of the little things that make a home a dream home. So let us help you and find you the home that's right for you and make your dream home a reality.

Decide To Buy.

Are you ready to buy a home? Ask yourself these questions:
  • What are my personal reasons: growing family, want to move closer to work or school?
  • How long do I plan to own this home?
  • Do I have enough cash for a down payment, closing and moving costs?
  • Can I afford to carry a monthly mortgage and still pay my bills?
  • Do I need the tax break?

Get Organized.

It pays to get organized. Put your finances in order so you know what you can comfortably afford to buy.
  • Credit data: Check your credit report and correct any issues you may find before getting a pre-approval or applying for the actual loan. It is easier to fix any problems beforehand than it is to explain them to the lender afterwards.
  • Loan documents: Gather financial information that the lender will request. Some of these items include: last two tax returns, pay stubs for the last 30 days, bank statements, and portfolio information for other assets.
  • Pre-approval: Get pre-approved for a loan. This not only gives you a realistic price range for properties to search, but also lets the seller know that you are serious and ready to make a move.
  • Real estate listings: Use the "Search" or "Buyers" tabs on our home page to begin your search. Get a feel for what your money will buy in the areas you prefer.
  • Call us to set up an appointment to hit the road and start looking at the properties you are interested in.
  • Once you have found that dream property, get necessary inspections, insurance information and quotes.

Protect Yourself.

When you are ready to put in an offer on your dream house, be sure to include a few contingencies in the "Contract of Sale." These contingencies allow you to cancel the sale and get back any deposit money if something goes wrong in the sale process.
  • A Financial Contingency: It cancels the sale if you are unable to get a loan after making a good-faith attempt to get one.
  • An Inspection Contingency: It cancels the sale if an inspector uncovers serious problems or you cannot reach an agreement with the seller to make needed repairs.
  • A Title-Inspection Contingency: It puts the duty on the seller to provide clear title to the property in order for the sale to go through.