Real Estate Buyers Resources

Buying A House

Buying a house is one of the largest financial decisions you will make in your lifetime. Understanding the market and the process involved is highly important and must be approached with caution. One of the first steps to take is to come up with a price that you can afford to pay for a new home. Everything from payments to a list of assets has to be considered when thinking about how much your income lets you pay for a property. On top of that, how much will your bank be willing to lend you? They will do their own evaluation of your assets and income verses payments. But don't forget to get quotes from several lenders, not just one or two. By doing this, you ensure that you will receive the best interest rate possible. Every fraction of the rate lower means thousands of dollars saved in the long run.

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Home Appraisals

When you set out to look at houses and acquire the help of a professional and knowledgeable real estate agent, you have to know if the homes you are looking at are worth the prices the sellers are asking. This is a tedious but important part to buying a new home and it could be easy to overpay for a piece of property. A home appraisal is a review of a house that determines a house's actual market value. Your agent makes their living understanding market values and how to sell houses, so make good use of their expertise in this regard.

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Making A Real Estate Offer

When you've found a house that suits you and it comes time to make that infamous "offer", there are a few things to consider before proceeding. The offer will be written down on a standard legal form and includes very specific terms and conditions of the offer for the seller. Some of these specifics include: price proposal, security deposit, terms (such as amenities which could include appliances or other items), and contingencies such as inspection, financing and title.

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Real Estate Contracts

From the time you make an offer to buy a house to closing the deal, there are multiple forms and legal contracts that need to be signed. This process, or series of processes, can be overwhelming, but with the right counsel and legal representation, both parties will be assured that their interests are being looked out for. Making an agreement to a contract is a very serious matter and must be followed closely. The first form that is usually filled out is the offer form, a standard form entailing the offer price and what comes with the offer.

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Working With A Realtor

When the decision is made to buy a home or piece of property, one of the initial steps to take in the right direction is to use an experienced real estate broker to help in the search for the right buy. For the buyer, a realtor is absolutely the way to go, especially since they buyer pays nothing to the realtor. The seller pays a realtor a percentage of the sale of the property. It is undeniably in the buyer's favor to use the resources of a real estate broker and gain maximum exposure to the homes for sale in the multiple listing service (MLS), which can be as fast as the snap of a finger.

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Realtor Contacts

Jackie Bulgin

573-999-6528

jackie@jackiebulgin.com

Shannon O'Brien

573-864-7863

sobrien@houseofbrokers.com

Carol Denninghoff

573-881-4244

cdenninghoff@houseofbrokers.com

Office Contact

Contact us at the office number listed below and a team representative will be glad to assist you.

House of Brokers Realty

1515 Chapel Hill Road   Columbia, MO 65203

573-446-6528

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