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A house is made of brick and mortar, but home is made by the people who live there. -- M. K. Soni

Buyer Tips

Purchasing a home or property should be a fun experience.  Making the smart move to hire me is your first step to ensuring that your new home and community meets your needs. My services is to help you find the home that best suits you and your family.

Benefits of Ownership

  • Credit - Owning a home helps you establish credit credibility.
  • Independence - Purchasing your own home provides you with independence and more privacy than renting.
  • Investment - As you make more payments and own more of your home, you add to its investment value. Most improvements you make will also add to its value.
  • Pride - A home reflects its owner's values and lifestyle. Owning a home can provide you with a source of pride, enjoyment and satisfaction.
  • Security - A home can provide security against inflation because the value of your home increases as prices go up.
  • Stability - Being established in a community provides a sense of belonging, stability and security.
  • Tax Advantages - Interest on your mortgage loan is deductible on your yearly personal income tax return. Many of the closing costs associated with purchasing your home are deductible, as are your property taxes.

Finding the Perfect Home

You can sit down with a local real estate agent and discuss your needs, type of area, style of home, amenities and everything you really want in your next home. They can help you by accessing a Listing Service which covers all properties listed for sale within a specific area. Together, you can select the homes you would like to see, set appointments and preview homes in a short period of time. They will guide you through the entire process.

Newspaper Ads/Internet - Many people go through the real estate classified section or browse the Internet to find a home that appeals to them. However, I will have many listings available that may not appear in the newspaper or Internet on a continuous basis. New listings come on the market daily.

Multiple Listing Service - It usually includes the following details about homes and properties for sale:

Location
Price
Photograph
Utilities
Amenities
Annual property tax
Current financing (when assumable)
Listing company

When Previewing A Home

  • Write notes when previewing a home so you will be able to discuss the details later with me
  • Ask questions about the home and discuss any objections or concerns you may have.
  • Ask about the community - schools, shopping and transportation.
  • Ask specific questions about the construction of the home; electrical, plumbing, heating, cooling systems, etc.
  • Have Fun
  • Relax. Finding your new home can be a rewarding experience. Have a good time and enjoy the process.

More Home Buying Advice

    Table of Contents:

  1. Should you buy a home? Renting vs. Buying:
  2. Steps to buying a home
  3. What is a Mortgage and do you needed?
  4. Different types of Mortgages
  5. More Mortgage Choices
  6. 0 to 5% down with FHA and VA loans?
  7. Cosigning: The Pitfalls
  8. Qualifying for a Mortgage
  9. How much of a mortgage and a house can you afford?
  10. Finding a home with FSBOs & Real Estate Agents.
  11. It's closing time: Title and the keys please!
  12. Tapping your home equity: Refinancing
  13. Tapping your home equity: Home Equity Loans
  14. Frequently Asked Questions (FAQs) on Real Estate & Mortgages


 

         

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   Always keep in mind to:
  1. Spend less than you earn! People who spend every penny they make usually end up going broke.......
  2. Take enough risk on the money you save! Playing safe by putting your money under the mattress or in a savings account will not make you wealthy..

Remember that..... Fully one-fifth of humanity, some 1.3 billion people, struggles to survive on less than $1 per day. About 40% of humanity survives on less than $2 per day. More than a billion people around the world will go to bed hungry tonight. Life expectancy in some 32 countries is less than 40 years. If you have a few extra dollars in your pocket (you don't have to be a millionaire to make a difference), please share some of your financial good fortune with others who are in great need.


Think About It...  Being in the 'now' brings a freedom, unlike living in the past or in the future, which is a kind of imprisonment. This isn't a kind of a denial where you pretend life doesn't have problems. Life is full of problems, but most of those stresses and failures are reliving old hurts or worrying about future concerns. -- Carl Honore

When you 're diagnosed with cancer, you start to bargain with God: "Let me get through this, and I'll take better care of myself. I'll get my priorities in order. I'll learn to live every day to the fullest." Isn't it sad that you have to get sick before giving yourself permission to live life to the fullest? -- Robert Schimmel Look at Life in different & Positive ways