How We Can Help
Before you start looking
Closing Costs

As Your Agent, We Will:

• Assure that you see all the properties in the area that meet your criteria.
• Guide you through the entire home buying process, from finding homes to look at, to getting the best financing.
• Make sure you don't pay too much for your new home and help you avoid costly mistakes.
• Answer all of your questions about the local market area, including schools, neighborhoods, the local economy, and more.

Before You Start Looking For Your New Home:

• Check your credit rating. Straighten out any errors before its too late.
• Determine a comfortable monthly budget for your new purchase, including down payment and monthly payment.
• Find a loan program that meets your needs and get pre-qualified (preferably pre-approved).
• Determine what neighborhood best matches your needs.
• Identify important features you need your new home to have.

Closing Costs to Expect:

• Lender fees include charges for loan processing, underwriting, preparation and establishing an escrow account.
• Third-party fees include charges for insurance, title search, and other inspections such as termites.
• Government fees include deed recording and state & local mortgage taxes.
• Escrow and interest fees include homeowner's insurance, loan interest, real estate taxes, and occasionally private mortgage insurance.

CRS BUYER’S Guide

Once you've made the decision to buy a home, it's time to start looking. There are so many ways to look for homes, it can be very confusing. That's why you need a CRS agent. They will use their experience and education to narrow the search to just the type of house you are looking for. They have access to the latest listings and to a network of CRS agents. They can pull up the most current list of houses that meet your personal specifications.

Another way to look for homes is by using the Internet. Using a system of databases and search engines, you can find listings for homes all over the country. Most major search sites have a category dedicated to real estate, but you can also use the basic search engine and try any or all of these keywords and phrases: house, home, buying a home, selling a home, real estate. These searches will lead you to information about buying and selling, listings of agents and home listings.

One thing to remember is that the latest listings may not be available on the Internet. It takes time to add listings and in hot markets, houses may sell before they even get a chance to be put online. The Internet is a great place to gather information, comparison shop and become familiar with real estate terminology. But the best place to find your dream home, is with a CRS agent.

Find out how much your closing costs could be.

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