Steps to Buying a Home

Figure out how much you can afford

This depends on several Factors:

• Income 
• Credit Rating
• Current Monthly Expenses
• Down Payment
• Interest Rates

Use our Affordibility Calculator to get an idea of what you can afford.

Know your Rights

• Fair Housing - No one should deny you based on race, color, national origin, religion, sex, familial status or handicap(disability).  This not only applies to Real Estate Agents, but to Renters and Mortgage Lenders as well.
• RESPA - The Real Estate Settlement Procedures Act was created to protect the consumer from Real Estate Agents and other professionals from providing undisclosed kickbacks amongst themselves and therefore Inflating the costs of Real Estate Transactions.
• Borrower's Rights - You should never feel as though you can not shop around for a loan and that you can not have your questions answered.

Shop For a Loan

We can provide you with a list of local Lenders.  It is important that you find the Rate and Payment Options that are best for you.

Learn about Home Buying Programs

A Lender can give you specifics about which program would be best for you regarding Loan Types and Assistance Programs.

Shop for a Home

Let us take the guesswork out of the Home Buying experience.  We can provide you with a list of homes that meet your specific criteria and show you the properties that you are interested in.

Make an Offer

Negotiation is a big part of Real Estate.  Our knowledgable team can help you make the best decision on what to offer in order to get you in your Dream Home.  From Comparing other homes for sale and that have recently Sold to Expert Negotiation, We can help you get the most Bang for your Buck.

Get a Home Inspection

Purchasing a Home can be a very daunting task.  This will most likely be the largest Investment you will ever make.  We can provide you with a list of Home Inspectors to ensure the safety of your Investment.

Shop for Homeowners Insurance

There are many Insurance companies out there.  Shop around to find the best Rate with the proper amount of coverage for your Dwelling and your Valuables.

Closing Time!

Time to Sign the Papers!  Make sure to read and understand what you are signing.  Our Agents will be there with you to help you, if needed.