Need Assistance in making an informed decision on whether the For Sale By Owner is the route for you? Find out why Caveat Emptor-buyer beware- applies with FSBO homes.
Are you able to distinguish between For Sale By Owner homes that are listed at a fair market value, modestly over priced, or really over priced? A buyer's agent can help negotiate a fair price, protect your interests, and remove emotion from the equation with a professional market analysis of the home you wish to purchase. The best part is, that a buyer's agent does not usually cost the buyer any money, and your interests are protected when you work with an experienced Realtor. Selling a home requires an intimate understanding of the Real Estate market. If the property is priced too high, it will sit and develop a reputation for being a problem property. If the property is priced too low, you will cost yourself serious money. |
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Many people buying their first home are afraid lenders don't really want to work with them. In fact, that's simply not true. Without you, there would be no mortgage lending business......Lenders want to help you buy your first home!
Alot of people don't even consider buying a home because they are afraid they can't afford it. But for most people home ownership is within reach. Especially with some of the special programs available for first time buyers. In fact, for many people, home ownership is as affordable as renting and in some cases even more affordable!
Others who are currently renting a house or apartment beleive they could never afford a home of their own, simply due to the fact they don't have adequate savings for a down payment on a mortgage or maybe they are experiencing credit problems.
My advice is "Stop paying your landlords mortgage and Speak with me". There are many special programs designed for first-time home buyers... and that can make getting a first mortgage easier. Some of the better known national programs are:
- FHA (Federal Housing Administration)
Loans are government-insured mortgages primarily for first-time home buyers. These loans allow you to buy a home with a lower down payment, and come with guidelines that let more people qualify. They're available from most mortgage lenders. There may be specific benefits and restrictions to FHA Loans in your area - your mortgage lender will be able to discuss them with you.
- VA (Veterans Administration)
Loans are available to veterans of the armed services, those currently on active duty or in the reserve, and their spouses. A VA loan can make it possible to purchase a home with no money down.
There are many other loan programs that offer homebuyers low down payments and have guidelines that let more people qualify. They may be administered by state or local governments, or other organizations. Be sure to ask your mortgage lender what other programs are available in your specific area especially for first-time buyers. |
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Buying or Selling? It pays to work with a REALTOR
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SELLERS
Realtors provide sellers invaluable services, and there are plenty of reasons to work with one:
- I can give you up-to-date information about the market, prices, financing, terms and conditions of competing properties.
- I will market your property to other Real Estate Agents and to the public.
- I can help you objectively evaluate every buyer's proposal without compromising your market position.
- I can help close the sale of your home
Buyers
Realtors provide critical assistance with the home buying process.
- I have many resources to assist you in your home search.
- I can provide objective information about each property.
- I can help you negotiate.
- I provide guidance during the evaluation of the property.
- I can guide you through the closing process and help make things flow together smoothly.
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