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Frequently Asked Questions

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Buying a Home

Yes, talking to a bank before looking at homes can help you understand exactly how much you can afford. f you are a 1st-time homebuyer, talking to a bank before looking at homes is strongly recommended as there are many first time home buyer programs available.

 

A pre-qualification is an informal determination by a lender stating how much mortgage you can afford. A pre-approval is a guarantee in writing by a lender to grant you a loan up to a specific amount.

 

Sellers will find any offer you make more attractive if you are pre-approved for a mortgage also, the length of time before closing can be shorter by securing mortgage approval prior to signing a contract on a property.

 

Depending on the loan program you are qualified for such as FHA, VA, conventional, and others, it could be between 3.5%-20%.

 

You will have loan origination fees, closing cost and/or any other terms that were negotiated during the offer process.

 

 

Selling a Home

While in 2016 the median price was in the $220,000, the exact price of your own home will depend on its size, neighborhood, and many other factors.
In order to get a fair price of your home we will look at the prices of similar-sized homes recently sold in your area and do what we call a competitive price analysis or “comps”.

Right now, houses spend around 100 days in the market before they sell, although the time listed varies based on the area and price.

 

No, having the owner of the house makes potential buyers uncomfortable. Buyers feel as if they cannot make comments or ask questions if the seller is present.

 

Your fees will vary depending on the type of property and what was negotiated in the sale.
Some cost included but are not limited to:
  • Lender Fees
  • Escrow Fees
  • Home Disclosures
  • Home Warranty
  • Title Fees
  • Loan Pay Off Fees
You have the most important role in the selling process. Here are some examples of how your participation can help have a successful sale: Always maintain the property Ensure the property is accessible for showings If you are present during a showing limit conversations with potential buyers.
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We are here to help you 7 days a week and respond within 24 hours. Plus, you can find most answers to your questions right on this page.