For Buyers
1. Decide to better yourself! Stop making someone else rich. Renting is a waste of your money and just makes someone else rich. Invest in your own future by building equity in your own home.
2. Get pre-approved for a loan. Find out how much house you can afford. Talk to a loan officer who can educate and advise you on choices. Consult with www.JeanneMorrisey.com
3. Choose your price range. Houses are available in all price ranges and you do not have to borrow the entire amount for which you qualify.
4. Decide the area that best suits you and your family. Think about schools, tax rate, convenience to work, subdivision or rural, amount of land, and the area in which you would like to live.
5. Find a professional Realtor, one with your best interest at heart. Many Realtors just see you as a $. Some may be so busy they may not have time to spend helping you look. Others just want you to buy and may try to pressure you into a decision. Be careful when choosing!
6. Start searching for the house you were meant to have. Drive around or look on the internet. My website, is a great place to look for homes in the Dayton area. Start your search now by clicking here. I can also help you by giving you listings in your price range and setting up tours to see the property. Remember, don’t call the number on the sign, they represent the seller.
7. Decide on the best house choice for you. Also decide on the price you want to pay for it. I can help you here by doing some research to find the selling price for similar houses in the area.
8. Make an offer. It’s a buyer’s market so even if you find a house that’s more than you think you can afford, make a lower offer. I can supply you with information that will help you decide. It’s a buyer’s market and you currently have the power.
9. Negotiate until you reach a price. Negotiating is an art and a Realtor experienced with people, such as myself, knows how to deal with different personality types and will be able to get the best price for you.
10. Close the deal! After getting the house inspected and asking the seller to either make repairs or the price renegotiated, the actually loan application is made which will involve checking your credit and verifying your income. Your loan officer and I work very hard so that you will be able to take possession of the house in about one month after a smooth closing.
Start Experiencing the American Dream, now! Email me for answers to your questions or help from a caring Realtor. MailTo:mary@marystarkey.com
Buying a home is an exciting time
in one's life. Making the smart move of choosing a REALTOR® is your first step to ensuring that your new home and community meets your needs. I listen to your wants and needs and know the area so I can help you make a wise decision.
My services and experience range from financial aid to helping you find the home that best suits you and your family. For your convenience, I also provide listings by email so be sure to register to become a VIP searcher and let Fetch, Coldwell Banker's golden retriever, help your find your next home.
My Key Opens Doors
How I Can Help
Before you start looking
Closing Costs
- 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).
- Choose a REALTOR® that you trust and who understands your needs.
- Determine what neighborhood best matches your needs.
- Identify important features you need your new home to have.
- Learn the steps to take before you buy a new home.
- 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.
Find out how much your closing costs could be.
