We will guide you through the entire buying process, from viewing homes and financing, to making sure the final contract is in your best interest.
Here's why you'll like working with us:
Our personal service.
Our number one goal is to educate you on the current Indian Rivers's real estate market. We have the reputation of providing strong, positive, aggressive representation and we provide outstanding personal service to each and every client.
You have a Real Estate Agent that is working just for you, that is knowledgeable and active in the market.
Expert negotiating skills.
In today's Michigan market, this is one of the most important values we can provide to you as our client. We know the area, the Cheboygan and Emment County real estate market and have the experience and information to negotiate from a position of strength during your transaction.
Aggressive internet usage.
We have made significant investments in technology to serve you better. Most buyers initiate the buying process by looking on the internet first.
Steps to home buying:
Step # 1 - Talk witha a lender to get a pre-approval/pre-qualified letter to start shoping for a new home.
Step # 2 - The Interview, to understand the buyers needs and wants in a home, then showing appointments will be scheduled.
Step # 3 - The Contract: Negotiations: Yes - proceed to Step # 4. No - return to Step # 1
Step # 4 - The Inspections
Step # 5 - Loan Interview, submit accepted purchase agreement to the lender for processing.
Step # 6 - "Waiting" Period - time for mortgage company processing and title company processing. Mortgage Company: Credit Report, Appraisal, Verification's, Underwriting, Approval. Title Company: Title Search, Assemble Papers, Settlement/closing Date
Step # 7 - Settlement/closing - You are a Home Owner!
5 Great Reasons to be pre-qualified by a lender.
You spend your time wisely, looking at homes that you can afford.
You will know in advance what your payments will be.
You can select the best loan package without being under pressure. There are many financing options to choose from in today's market, and you will have the time to select the best option for your needs.
The market in our area moves quickly. You may have a competitive advantage if you have your financing secured in advance. Peace of mind.
You have the pleasure of pursuing your dream home without worrying about financing your purchase.
Items needed for a loan application:
Whether you're a first time buyer, buying a second home or your retirement dream home, here is the information a lender will need when you apply for financing:
Employment Information:
Addresses for two full years
Gross monthly income
W-2s, if available
Proof of pension, retirement, social security, etc.
Proof of income from rentals, investments, etc.
Year-to-date pay stub
If self employed - two years of tax returns and current year profit and loss statement.
Creditor Information:
Each creditor's name, address and type of account
Account numbers
Monthly payments and approximate balances
Banking Information:
Names and address of savings institutions
Account numbers for all accounts
Types of accounts and present balances
Miscellaneous Information:
List of assets-stocks, bonds, land
Life insurance cash value
Social Security numbers for all parties
If selling another property, copies of sales contracts
Copy of Sales Agreement
Copy of Listing Sheet on property
Information on how appraiser accesses property
Contact us for unlisted and pre-marketing properties. This includes pre-forclosure, divorce, estate and other motivated sellers that will sell their home BEFORE it hits the open market. You will not find these home on Zillow.com, Realtor.com or the MLS.
Tell us what your perfect home will be? With our Perfect Home Finder program.
CALL US!
231-844-4034