| Advice to Help When You're Buying a HomeFirst | | | | disclosures?What types of home inspections |
| time home buyers might feel better to know | | | | are standard in your area? Are there other |
| that they're not the only ones who feel | | | | inspections that the agent recommends?How |
| confused about the process of buying a home. | | | | much do the inspections usually cost? Are |
| Nearly all home buyers feel the same way, | | | | they regarded as a buyer expense?When are |
| even if they've bought a house in the past, | | | | inspections done?Is a survey required for |
| because it's easy to forget the home buying | | | | most transactions? If so, who typically pays |
| steps you took to get there once the event is | | | | for it, the buyer or the seller?Who does the |
| behind you.Get EducatedBefore you begin, get | | | | title search to verify that the deed is |
| educated about the home buying customs where | | | | problem free, attorneys or a title company? |
| you live. Relatives or friends who live in | | | | What's the average cost for that service?Who |
| another state might have some good general | | | | acts as settlement agent, the person who puts |
| advice for you, but chances are the process | | | | together final paperwork for you to sign? |
| is very different in their area, so avoid the | | | | (attorney, title company personnel, real |
| mistake of relying solely on their advice to | | | | estate broker, other)?Other than loan costs, |
| make important decisions.So How Do You Get | | | | what's the average total cost for other |
| Educated?Talk to a real estate agent about | | | | closing fees?Taxes, settlement agent fees, |
| the typical home buying scenario. This is not | | | | etc.How long does it usually take to close on |
| a meeting that should lead to an agreement | | | | a home once an offer is accepted?That's a |
| for the agent to represent you.It's simply a | | | | good start. After you have the answers to |
| general discussion about the real estate | | | | those questions, you'll have a better feeling |
| customs in your area. An agent who won't take | | | | for the basic customs in your area.Always |
| fifteen minutes to help you understand what | | | | Keep a Cool HeadEven simple problems can be a |
| to expect when you're buying a home isn't | | | | burden when you have so many details to take |
| much of an agent, so if the first few calls | | | | care of, so don't over-react if you hit a few |
| don't produce someone who will help, keep | | | | snags on the way to closing. Keep a cool head |
| looking. | | | | and work with the people helping you through |
| | | | the transaction to resolve any issues that |
| If you don't want to talk with a real estate | | | | pop up.Now Dig InAt this point, your |
| agent, how about a bank loan officer or | | | | remaining steps are no different than the |
| mortgage broker? They look at home buying | | | | steps nearly every home buyer must take. It's |
| from a different perspective, but can usually | | | | time to start digging into the details you |
| give you a basic overview of the | | | | need to get through the home buying |
| process.Questions to AskIf you decide to work | | | | process.Special Loans ( specialises in |
| with an agent, will the agent help you | | | | providing secured finance where banks will |
| compose your offer to purchase a home? If | | | | not. If you have credit problems, are fully |
| not, who does help?If the agent uses | | | | employed or self-employed, have income issues |
| fill-in-the-blank forms, ask for a blank | | | | or employment issues, we have the best |
| sample copy to take home and study.What types | | | | solution for you! We provide Non-conforming |
| of disclosures are sellers in your area | | | | home loans offering wholesale home loan rates |
| required to give to buyers? Can the agent | | | | as well as Standard Home Loans, unsecured |
| give you a sample copy of typical | | | | personal loans, refinance products. |