For Buyers

• Assure that you see all the properties in the area that meet your criteria.
• Guide you through the entire purchasing process, from finding property's to look at, to getting the best financing.
• Make sure you don't pay too much for your property and help you avoid costly mistakes.
• Answer all of your questions about the local market area, including schools, neighborhoods, the local economy, and more.
• Create a wealth plan with you for your investments and retirement needs.

• Check your credit rating.  Straighten out any errors before its too late.
• Determine a comfortable monthly budget for your purchase, including down payment and monthly payment.
• Find a loan program that meets your needs and get pre-qualified (preferably pre-approved).
• Choose a real estate professional that you trust and who understands your needs.
• Determine what neighborhood best matches your needs.
• Identify important features you need your property to have.

• 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 and appraisals.
• 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.

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