There are some simple steps that home buyers often miss when looking for their new home. Taking the time to consider these steps can save you thousands of dollars, but more importantly, can smooth the process of buying a new home, saving time and money, as well as alleviating stressful situations in advance.
Thank you for requesting a copy of
this “FREE REPORT”
For prompt, courteous, professional
service, call (Rick Tebbe):
Visit my web site at: www.WPAFBHOMESONLINE.COM
Have
questions, need advice you can count on or just want to discuss this further?
Don’t
waste any more time; pick up the phone and call me now! I’m here to help!
I appreciate you as a client and a friend. I appreciate your business, your loyalty, trust and your referrals. It is my goal to provide the very best counsel, advice and service possible for your real estate needs. If I may ever be of assistance to you, a relative, friend or co-worker please don’t hesitate to call me. I look forward to the opportunity to serve you.™
Buying a home is a great investment, possibly the largest investment you will ever make, so it seems logical that you would want to invest your money wisely when the time comes to purchase a new home. The following report will tell you simple but often-overlooked procedures that will allow you to maximize the dollars you spend on your new home.
Most homebuyers have two primary
considerations when they start looking for a home. First, you want it to meet your needs and
desires, and secondly, you want to get the best buy possible to obtain your new
home. Successful homebuyers emerge from
a sale with the features they want in their new home at the best price
available in the market.
For starters, you must know what you
are looking for in a home. You must have
a list of needs as well as a list of desires, but be sure when choosing the
actual home that you go with the one that fulfills most of your needs. It is not uncommon for someone to start out
with very specific needs and wants but fall in love with a home offering
different features. Ideally a house will
come along that has all of your needs and desires, but sometimes that doesn’t
occur. Be careful not to get caught up
in the excitement of home shopping and end up with a home that is not as close
to perfect as possible.
You should be pre-approved for a loan
by a professional mortgage lender. By
understanding what you can afford, you will not spend time looking for homes
that are out of your price range. You
also need to understand the various financial aspects of the sale, from whether
to spend more up front or make a smaller down payment and work with a larger
loan. There are several costs to
consider in the process
of buying a home. Your REALTOR can
recommend a reputable mortgage lender who has the reputation of providing
excellent service and good rates.
Choose your Agent wisely. Any agent will show enthusiasm and
will want to help you locate your new home; they need
A. Experience at assisting buyers in
locating the best home.
B. Ability to use technology to search
the market thoroughly.
C. To review with you comparable home
sales in the area you choose.
D. Information pertaining to new homes
coming on the market that other agents do not
know of.
Working with a full-time professional
real estate agent is a must. Choose your agent by asking questions of him or her. Find out how knowledgeable they are about
houses currently for sale in your price range and also of houses that have
recently sold. Can your agent recommend
a good lender that has the reputation of excellent customer service and low
rates to assist your new buyer with financing?
A good listing agent can get your house sold quickly at TOP DOLLAR
and help you find a new home.
Thank you for requesting a copy of
this “FREE REPORT”
For prompt, courteous, professional
service, call (Rick Tebbe):
Visit my web site at: www.WPAFBHOMESONLINE.COM
Have questions, need advice you can
count on or just want to discuss this further?
Don’t waste any more time; pick up
the phone and call me now! I’m here to
help!
I appreciate you as a client and a friend. I appreciate your business, your loyalty, trust and your referrals. It is my goal to provide the very best counsel, advice and service possible for your real estate needs. If I may ever be of assistance to you, a relative, friend or co-worker please don’t hesitate to call me. I look forward to the opportunity to serve you.™
If you are looking to buy a new home but think you either don’t have the money saved up to afford a down payment or you don’t want to liquidate all your current assets, there is a way around this dilemma. This report will inform you of ways you can purchase a home with no money up front.
If you find yourself caught in the
endless cycle of paying your landlord’s mortgage, why not take the time to
examine what it would be like to build your own equity in a home and stop
paying rent? The general perception of
many potential homebuyers is that a substantial down payment is required in
order to get you into a new home. It
doesn’t have to be this way. Because of
this notion, many people believe they must save for years and years before they
can qualify for a home loan. In the
meantime, these people are paying for the real estate owned by someone else.
The Federal Housing Administration
(FHA), or the Veterans Administration (VA) and many other government programs
or grant programs are available for homebuyers with zero or little down.
Hundreds of thousands homebuyers are realizing their dream of home ownership
every year, and you can too.
A good real estate agent can tell you about existing lender and government programs that can get you into a new home with no money down. With a zero down payment program, you can begin to move into a home immediately and build your own equity. Qualifying for these zero down payment programs can be much easier than you think.
First, you need an excellent credit
history. You should have no recent
history of bad debts, and be able to prove that you can make consistent and
timely payments on any current liabilities.
You will be required to disclose all of your current liabilities in
order to determine how much more mortgage you can qualify for. Liabilities will include such things as car
payments and credit card debts. If those
are paid off, the better loan you can get.
You must have at least three years of
stable employment. This is either proof
of employment for the past three years or financial statements for the same
time if you are self-employed.
You will also need to be able to
demonstrate that you can afford the taxes, insurance, and utilities that come
up front on your home purchase. This
will vary depending on the amount of your home purchase.
Under the terms of a zero down
payment program, there will be several types of homes that you can get
into. These properties include
single-family homes, townhouses or condominiums. It is important to note that not all homes
will qualify for the zero down payment program.
An experienced and knowledgeable REALTOR will know what properties in
your area can qualify under these programs and can assist you in finding the
home that is right for you.
Buying a home with no money down can
be an easy process. Consider the benefits of getting into a home that is
yours and building equity every month, instead of renting and not having
anything to show for it in the end.
Plus, the interest you pay on your loan is a tax deduction. The appreciation in value of real
estate is the basis of more wealth in this country than any other. Investment example: a $400,000 home that
appreciates 10% is $40,000 equity in just one year, $44,000 in the second year
and so on.
Choose your agent wisely. Working with a full-time
professional real estate agent is a must. Ask questions of your agent. Find out how knowledgeable he or she is about
houses currently for sale in your price range and also of houses that have
recently sold. Can your agent recommend
a good lender that has the reputation of excellent customer service and low
rates? Does your agent ask questions of
you to have a full understanding of what you are looking for to help you get
the most home for the money?
Thank you for requesting a copy of
this “FREE REPORT”
For prompt, courteous, professional
service, call (Rick Tebbe):
Visit my web site at: www.WPAFBHOMESONLINE.COM
Have questions, need advice you can
count on or just want to discuss this further?
Don’t waste any more time; pick up
the phone and call me now! I’m here to
help!
I appreciate you as a client and a friend. I appreciate your business, your loyalty, trust and your referrals. It is my goal to provide the very best counsel, advice and service possible for your real estate needs. If I may ever be of assistance to you, a relative, friend or co-worker please don’t hesitate to call me. I look forward to the opportunity to serve you.™
You’ve signed the contract and are
looking forward to moving into your new home, but there are a few steps that
cannot be overlooked. By following these
easy steps, you will ensure yourself a smooth move into your new home.
First, get the home inspected. Arrange a time to return to the property for
the inspection, typically a few days after the contract has been signed. A professionally licensed inspector will
accompany you through the home and point out repairs or discrepancies if they
exist. The seller will then be notified
of these problems and will usually agree to take on the repairs.
Set up an appointment with your mortgage consultant and be
prepared with the following financial statements: W-2 forms or signed tax forms for the past two
years, copies of your most recent bank statements (current and consecutive for
at least two months), copies of your most current pay stubs or proof of income
if self-employed. Be prepared to pay an
appraisal fee at this time if you have not already done so.
Work with your real estate agent to choose
a title or settlement company for you and provide them with the necessary
paperwork. The settlement company has
the responsibility of making your transaction legal. They will do the title work, examine the
survey, prepare mortgage documents and all the necessary closing
paperwork. After the settlement, they
will prepare packages for your mortgage lenders, accounting and title
insurance, life documents with the county, and release escrow.
You will need to provide proof of homeowner’s
insurance at this time. You have the
right to choose your own insurance company.
If you have not selected one, work with your real estate agent for a
referral to a reputable company.
Obtain certified funds for the settlement. The title company will be able to tell you a
few days in advance the exact fees that will be due.
Conduct a final walk through of the home. Be sure to note any discrepancies from the
home inspection that has already been completed. By taking the time to go
through this process in a detailed and timely manner, your transition into your
new home will be easy and stress-free! Now is also the time to transfer all the
utilities into your name.
Choose your agent wisely. Working with a full-time real estate agent is a must. Ask questions of your agent. Find out how knowledgeable he or she is about houses currently for sale in your price range and also of houses that have recently sold. Can your agent recommend a good lender t