Why Buy With Me?
I will work with you to understand your unique lifestyle, needs, and wishes because buying a home is more than a certain number of bedrooms or particular ZIP code. It’s about your life, and it’s important to me.
My focus is on your complete satisfaction. In fact, I work to get the job done so well, you will want to tell your friends and associates about it. Maybe that’s why so much of my business comes from repeat customers and referrals. Good service speaks for itself. I’m looking forward to the opportunity to earn your referrals too!
It is important to be Pre-approved before you start looking for your Deam Home, most of the time Sellers will require to obtain the pre-approval letter or proof of funds (when cash purchase is involved) prior to having access to the property. also with a low inventory market (not enough houses available for sale), it is the best way to ensure you are prepared to submit an offer in a timely manner.
What a Pre-Approval does for you.
- A Pre-approval Letter shows that you can buy a house.
- A Pre-approval Letter helps define your search.
- You’ll have more leverage in negotiations with the seller.
- A Pre-approval letter is better than being pre-qualified.
Pre-Qualified vs. Pre-Approved: What’s the Difference?
Pre-Qualifying is the first step of the loan process. It is basically the Mortgage Company telling you how much of a loan you’ll likely qualify for. It is based on Customer provided information, no Consumer-data is verified.
Pre-Approval is the second step, it is a conditional commitment to actually grant you the mortgage. it is verified consumer data, Credit Check or income verification is obtained just to name a few.
Escrow and Closing Costs
Particularly relevant for first-time buyers and for those who haven’t been in the market for some time is the fact that additional dollars should be saved for an estimated range from 1 to 3 percent of the value of the home for “out of pocket” or additional closing costs. Closing costs vary from city-to-city and even from home-to-home.
Some examples of national averages include tax services which can run an approximate $85.00, credit reports for approximately $20 and appraisals for approximately $350. Closing costs can also include fees relating to home inspections, title searches, bank fees, and termite, flood or inspections, to name a few.
The mortgage lender requires some of these services and others are legally necessary depending on where the buyer lives. While not a requirement, extra dollars can be wisely spent if earmarked toward a home warranty which guarantees the appliances and inner workings of a home for the first year it is owned.
Consumers can further evaluate their options in down payments and balance them against some predicted closing costs directly with a lender. With the alternative being renting, consumers are wise to understand their options since owning a home would literally and figuratively be a possible tax shelter in and of itself.
Are you relocating to this area? Looking for more information to help you find the right city and neighborhood for your family?
Our relocation guide includes the most up-to-date and vital information for people looking to move to our area.
Buy or Sell a Home with me, use my Truck to move for FREE!
Buyers like to use my moving truck because it help them move their household goods into their new Home on the Big moving day. and remember it is FREE. My Moving Truck is Free for Seller’s and my Moving Truck is FREE for Buyers.