Announcements

01/03/11
New Website look and content! View more...

012/24/10
Open house coming up next week.
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10/30/10
New listing available. This beautiful home is..
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Buyers
Whether you are a first time home buyer or have prior experience, I will be there to ensure you have a smooth transaction and will assist you in negotiating the best price for your new home. Take a look in the buyer services for a small glimpse of what I can do for you.
Sellers
With today's real estate market, assistance with the home selling process is imperative. I will be there to protect your interests, ensure a smooth transaction and assist you in negotiating the best price for your home. Take a look in the seller services to see everything I can do for you.

Buying Costs

Down Payment

Down payment is the amount of money needed to initiate the loan a buyer is making to purchase a home. Depending on the kind of loan (VA, FHA or conventionnal)you are applying for, the minimum amount required can be as low as 0% and up to 20%. The higher the down payment, the lower your mortgage monthly payment will be. This down payment will be required at the time of closing.

Closing Costs

Closing costs are the costs associated with closing a real estate transaction. Including the loan initiation fees, the escrow fees, the appraisal fee and the home owner inssurance as well as property taxes that have to be prorated at closing... It usualy accounts for about 2% to 3% of the price of the home

Upfront Costs

The upfront costs are what you will need before the deal is closed. They include:
- The earnest money; the money you put down when you present an offer on a home. This dollars amount will be back to you at closing or can be applied towards your closing costs or down payment.
- Home inspection; The home inspector cost, usualy around $400.

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