Why Buy With Us?
The simple answer is that we are the best!
There are so many things involved in finding you te perfect home. We start by analyzing your needs and wants to get a clear picture of your ideal home. We walk you through every step of the way, from getting pre-approved from a lender to the fun task of looking at many homes…and then we help with negotiations, lender coordination, escrow and finally closing! You will never feel alone while you work with us. We often make lifetime friends with our wonderful clients!
Our goal is to find you just the right home, at the best price, in the right time, with the least amount of problems. You can count on us!
Why Getting Pre-Approved for a Mortgage is Important
While plenty of people pick out the house they want and then go to the lender for a mortgage, this is actually quite backwards. If you are hoping to purchase a home soon, getting pre-approved for a mortgage should be the first item on your list. Here are some reasons why this will make buying a house a much less painful experience with a pre-approval in hand.
Establishing a Purchase Range
There is no sense in viewing homes you cannot afford. Getting a pre-approval will give you an idea as to how much you can reasonably purchase, so there will be no let-down later in the process. Having a range to use when house hunting will save you time and frustration, as well as save the time and frustration of homeowners and your realtor. Your pre-approval amount will also tell you how large of a down payment you will need, which is largely dependent on how much you are approved to borrow.
Finding Credit Problems First
Some people decide to buy a home and have one picked out, only to find out that their credit is destroyed and they don’t qualify for a mortgage. In another scenario, you may think you are prepared to buy and find out your score is only 20 points from being within prime range. Getting a pre-approval first will tell you what you can reasonably expect to be offered from lenders. Then, you will be able to make your own decision about whether or not you want to focus on some credit repair before taking the plunge.
Allowing You to Move Quickly
If you are searching for the perfect house and find it without being pre-approved, another person can swoop in and buy it before you can get all of your paperwork in order. This is not uncommon at all, as many people find the house, make an offer and close within 30 days. If you want to be able to snap up the right house for you, having a pre-approval can help speed the process.
Getting a pre-approval for a mortgage is important because it will save you time and effort. If you need to do some credit repairs first or gather some documentation, you won’t have two realtors and a homeowner waiting on the process. If you are serious about home ownership, having a pre-approval in hand will make it easier for everyone involved.
Escrow and Closing Costs
Before you buy a house you may not have had much familiarity with the word escrow but once you begin the buying process it becomes a major part of your life. Escrow is essentially what happens when money is deposited by one person with a neutral third party so that it can be delivered to another party upon completion of an event. In the homebuying process, escrow opens when the buyer and seller sign a purchase agreement and the buyer puts down a deposit. Escrow protects all parties involved by making sure that no funds or properties change hands until all conditions in the agreement have been met.
A neutral third party can be an escrow officer from an escrow company, someone from a title company or from a title and escrow company. Some regional areas use title and escrow attorneys. Custom and market conditions also dictate which escrow costs the buyer or seller pays. The amount typically totals about 1 to 2 percent of the cost of the home.
Buying or selling your home can be stressful, especially if one of your home’s systems or appliances breaks down unexpectedly. A home warranty covers costly home repairs and replacements due to normal wear and tear. It’s not your homeowner’s insurance policy; a home warranty is a separate contract covering repairs and replacements on systems in your home, usually for a period of one year.
Home warranties cover many, but not all, of your home’s appliances and systems. Contract costs and coverage can vary widely, so always compare before purchasing. Home warranties cover many of your home’s crucial systems and appliances, but they must be in working order before the contract is entered into with the warranty company. Make sure you have reviewed your contract and coverage before you need it to understand what is covered and what is not. When you buy a home warranty, consider premium and optional coverage to customize the plan to fit your needs.
When a home warranty is understood and utilized for its intended purposes, it can be the easiest way to save on home repairs and reduce the extra stress that comes with buying or selling a home.
We work with many first time home buyers! Buying a home can be a stressful process and our goal is to walk you through every step of the way and make it as stress-free and enjoyable as possible. You deserve to have your first home…and we want to help you get it!