Why Buy With Us?
As buyer specialists, we work with buyers to protect their interests and offer expert advice, market analysis and negotiating skills. From first look to closing, we offer no-pressure guidance and advocacy in the home-buying process, backed up by years of experience and a vast network of professionals in associated fields.
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A mortgage pre-approval is written assurance from a lender or broker that you’re able to borrow money to purchase a home up to a certain amount. It’s based on the income, employment and asset documentation you supply at the time of application, in conjunction with your credit history.
Getting pre-approved before you begin house hunting allows you to know how much house you can realistically afford. Knowing this narrows down the options and makes the selection process more efficient. Not to mention, it protects you from the unpleasant surprise of realizing the home you fell in love with doesn’t fit your budget.
Escrow and Closing Costs
In addition to the down payment, you’ll also have to pay closing costs — miscellaneous fees charged by those involved with the home sale (such as your lender for processing the loan, the title company for handling the paperwork, a land surveyor, local government offices for recording the deed, etc.). The average closing costs percentage is usually about 2-5% of the purchase price (e.g., ~$4500 on a $180,000 home), but 1-8% is not uncommon. And to be clear, nobody chooses a specific percentage number—the closing costs will just happen to add up to some percentage.
Your lender will give you an estimate of closing costs on the purchase of a particular house you’ve selected. This is called a “Good Faith Estimate” (“GFE”).
Are you relocating to this area? Looking for more information to help you find the right community and neighborhood for your family?
Click on Communities to find information and descriptions of what our area has to offer!
Our service is what sets us apart from other Realtors. Purchasing your first home is an exciting time, but can be a bit overwhelming! We pride ourselves on personalized, professional service and stay with you for the entire transaction, from beginning to end.