Why Buy With Us?
When you decide to buy a home it’s one of the most important decisions you’ll make during your life, not to mention, it can also be one of the most emotional! Who you choose as your real estate agent, lender and escrow company often determines if you’ll have a successful transaction or not. Our agent pride themselves in being able to provide you with the best service and cater to your individual needs.
Benefits of Ownership
Owning a home is the American dream. Not only does a home provide you with financial benefits but it also provides shelter and security to families. Home ownership is an investment in your future.
Pre-Approval is an important step when you begin your search. 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.
We work with various lenders in our area. Please feel free to click on the icons for more lender information:
Information that may by needed from lender:
- Last 2 years W-2’s / 1099’s & 1 months current pay stuf
- Names & addresses of all employers for the last 2 years
- Last 2 years tax returns
- Residence & Landlord information for last 2 years
- Last 2 months bank statements
- Social Security Card & Drivers License (FHA/VA)
- Certificate of Eligibility & DD214 (VA)
- Self-employed- Last 2 years complete tax returns
- Divorce & bankruptcy papers
What is escrow? Buyers and sellers of a piece of property establish terms and conditions for the transfer of ownership of the property. These terms and conditions are given to a third party known as the escrow holder. In turn, the escrow holder has the responsibility of seeing that terms of the escrow are carried out. The escrow is an independent neutral account and the vehicle by which the mural instructions of all parties to the transaction are complied with.
Why is escrow needed? Whether you are the buyer or the seller, you want assurance that no funds or property will change hands until all instructions have been followed. With the increasing complexity of business, law and tax structures, it takes a trained professional to supervise the transaction.
How long is an escrow? The length of an escrow is determined by the terms of the purchase agreement/joint escrow instructions and can range from a few days to several months.
We work with various escrow company’s in the area.
What is a home warranty? Is it worth purchasing? It is a one year service agreement that covers the repair or replacement of many major home system components and appliances that typically break down over time due to normal wear and tear. There are a variety of plans available. Here are just a few of the advantages a Home Warranty offers:
- Warranty coverage for major systems and built-in appliances
- Protects cash flow
- Low deductible
- Reduce stress from potential, undetectable pre-existing conditions (like failures due to lack of maintenance and mismatched systems)- they’re covered!
Are you relocating to this area? Looking for more information to help you find the right city and neighborhood for your family?
Our relocation guide includes the most up-to-date and vital information for people looking to move to our area.