Why Buy With Us?
The simple answer is that we are the best!
There are so many things involved in finding you the 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!
Are you relocating to this area? Looking for more information to help you find the right city and neighborhood for your family?
Call us for some great relocation information. We’re ready to help you make the move!
First Time Home Buyers
What is the importance of getting pre-approved for a mortgage? How do you go about getting pre-approved?
If you don’t earn a loan pre-approval before you start looking, you might actually prevent yourself from finding—and buying—your dream home.
if you have pre-approval, a REALTOR® would know what exactly what to focus on and would be able to suggest different neighborhoods, sizes and conditions of homes to match your needs—making it easier to get you exactly what you want.
If you are pre-approved, you have more room to haggle. Sellers may be more willing to lower the asking price, include appliances, cover closing costs or make other allowances to work with a pre-approved buyer.
If you’re pre-approved, you have less to worry about: you know you’re a qualified buyer, you know there are lenders willing to work with you, and you can feel pretty confident when you make an offer.
To get pre approved, call your mortgage lender today!
Escrow & Closing Costs
Escrow refers to a third-party service that’s usually mandatory in a home purchase. When a buyer and seller initially arrive at a purchase agreement, they select a neutral third party to act as the escrow agent. The escrow agent collects what is known as “earnest money” from the buyer: a deposit that is equal to a small percentage of the sale price. In exchange, the seller takes the property off the market. Until the final exchange is completed, both the buyer’s deposit and the seller’s property are said to be in escrow.
When you obtain a mortgage loan from a bank or direct lender, you also receive an escrow account that helps you pay your property taxes and homeowner’s insurance premiums on time. Even though these costs are paid on an annual basis, your lender will require you to pay a monthly fraction towards each cost and accumulate the balance in your escrow account. This ensures that these expenses get paid on time every year.
Just like any other service provider involved in a real estate deal, the escrow agent will need to be paid a fee. Escrow services for a home purchase typically cost 1% to 2% of the final price. Based on national median home values, this translates to a fee of $2,000 to $4,000, which is added into your other closing costs. However, escrow fees are one of the many expenses that are negotiable between the buyer and seller. This means that you can try asking the other party to foot part or even all of the escrow fee, depending on local rules or the current market conditions.
The home warranty is a service contract that will help safeguard against the cost of covered repairs or replacements to the major components of home systems and appliances that fail due to normal wear and tear.
Mechanical systems and appliances break down when you – and your budget – least expect it. In fact, research shows most homes will experience two mechanical failures each year! Knowing that you are protected if a failure occurs is one less thing you have to worry about.