ERA COMPREHENSIVE REAL ESTATE SERVICES   
Your Subtitle text
REPORTS

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.

 

  1. Begin by being up front and honest with your REALTOR and lender about your credit history.  Your credit, whether good or bad, affects everything from your down payment to your interest rates.  Your REALTOR or a professional mortgage consultant can often advise you as to how you can get credit problems cleared up or completely eliminated from your credit report before you apply for financing or make an offer on a new home.

 

  1. Getting pre-qualified for a loan by a professional lender before you begin your search for a new home will allow you to know in advance exactly what kind, and how much, mortgage you can afford.  This makes it possible for you to make an offer on your new home with confidence that enough funding is available.

 

  1. If the seller does not offer a home warranty on the house you want, ask your REALTOR to make it a part of the written offer that you make.  A home warranty can save you thousands of dollars in repairs, and can often be obtained for a very nominal annual fee.  A standard warranty covers the electrical, plumbing, heating and air conditioning systems as well as major home appliances.

 

  1. Ask your REALTOR for a market analysis of the home, in comparison to similar homes in the neighborhood or throughout the city, before you make an offer.  A home is not just a place where you live – it is also an investment.  Take the time to view several homes before you make an offer so you know exactly what is on the market.  Be certain you are making a wise investment.



  1. Make your offer contingent upon a home inspection and ask the seller to make the required repairs.  Hire a professional to inspect every aspect of the home thoroughly.  This can save you thousands of dollars in costly repairs and many headaches in the future.  A good inspection can also allow you to negotiate for any repairs prior to closing.  If the seller is not willing to make the necessary repairs, remind them that the lender will also require the home to be in good condition before they make a loan for the purchase.

 

 

  1. Take into account your present homeowner or renter status.  If you already own a home and must sell it before you buy a new one, it is best to get a REALTOR to do a complete market analysis on your present home.  This allows you to know how much you can sell your current home for before you make an offer on a new one.  If you are leasing or renting, the lease’s expiration date will give you a timetable for your new purchase.  Review this with your REALTOR well in advance of when you want to move.

 

  1. 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 and 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):

Office:      1-937-435-2611

Direct:      1-937-474-5334

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):

Office:      1-937-435-2611

Direct:      1-937-474-5334

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):

Office:      1-937-435-2611

Direct:      1-937-474-5334

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