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Home Buying
Buying a home can be one of your most significant investments in life. Not only are you choosing your dwelling place, and the place in which you will bring up your family, you are most likely investing a large portion of your assets into this venture. The more prepared you are at the outset, the less overwhelming and chaotic the buying process will be. The goal of this page is to provide you with detailed information to assist you in making an intelligent and informed decision. Remember, if you have any questions about the process, feel free to contact us any time.

Benefits of Owning Your Own Home
The Best Investment
Income Tax Savings
Stable Monthly Housing Costs
Forced Savings
Freedom and Individuality
More Space
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Important Things To Avoid Before Buying a Home
Don't Move Money Around
The Effect of Changing Jobs
No Major Purchases of Any Kind

Don't Buy a Car - or Did You Already Buy One?
When Income Grows and You Want to Buy "Stuff"
Debt-to-Income Ratios and Car Payments
How Buying a Car Reduces Your Purchase Price

The Business Cycle and Buying a Home
Recession and Expansion
Supply and Demand
Should You Try to "Time the Market"?

Comparable Sales and Your Offer Price
Determining Your Offer Price
Comparable Sales in the Public Record
Comparable Sales in the Multiple Listing Service
Comparable Sales - Pending Transactions
Other Factors Influencing Your Offer Price

Major Factors Influencing your Offer Price
How Property Condition Affects Your Offer
How Home Improvements Affect Your Offer
How Market Conditions Affect Your Offer
How Seller Motivation Affects Your Offer
The Final Decision on Your Offer Price

Offering to Purchase Real Estate- the Basics
Introduction and Overview
Contingencies in a Purchase Offer
Earnest Money Deposit
The Closing Date
Transfer of Possession

Writing an Offer - Safeguards Regarding the Property
Disclosures From the Seller
Condition of the Property Upon Transfer
Inspections You Should Require
Final Walk-Through Inspection

How Financing Details Affect Your Offer
Down Payment
Interest Rates
Closing Costs and Financing Incentives
Seller Financing
Cash Offers
Other Financing Details in Your Offer

How FHA and VA Financing Affects Your Offer
Extra Costs for the Seller
VA and FHA Appraisals

Selecting Service Providers
You and the Seller Must Agree
Escrow and Settlement
Title Insurance
Termite and Pest Inspection

Home Selling

If you are thinking of selling your home, chances are you're caught up in a mass of emotions. You may be looking forward to moving up to a new home or facing the uncertainty of a major move across country. You may be reluctant to leave your memories behind or eager to start new and exciting adventures.
feel free to contact us any time.

Getting Your House Ready to Sell
Introduction: Emotion vs. Reason
De-Personalizing the House
Removing Clutter, Though You May Not Think of it as Clutter
Fixing Up the House Interior
Fixing up Outside the House

Want to Start Off With a High Sales Price? Beware!
Meeting with Realtors
Which Realtor Do You Choose?
What Happens Behind the Scenes
Dropping Your Price...Too Late?

Types of Listing Contracts
Open Listings
One-Time Show
Exclusive Agency Listings
Exclusive Right to Sell

Details of a Listing Contract
Price and Terms of Sale
Lockbox - Yes or No?
Real Estate Commission
Multiple Listing Service
Agency Duties of a Listing Agent
Resolution of Disputes

Listing Commissions and Related Issues
Is the Commission Negotiable?
How and When the Commission is Earned
"Hot" Market Under-Pricing Strategy - Commission Issues

The Listing Agent & Marketing Your Home
The "Real" Role of a Listing Agent
Preliminary Marketing - the "For Sale" Sign
Preliminary Marketing - Flyers and the Brochure Box
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The Listing Agent - Marketing Your House to Other Agents
The Multiple Listing Service
Office Preview
Broker Previews and Culinary Delights
Office Flyers
Marketing Sessions

The Listing Agent - Marketing Your House to Homebuyers
The Purpose of Advertising in General
Real Estate Company Advertising
Individual Agent Advertising
Neighborhood Announcements
Open Houses
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Showing Your House to Home Buyers
Convenience and Availability
Why You Should Not Be Home
Lighting, Fragrances, Pet Control and More
Keeping the House Tidy and Neat

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