Get ready to buy the home of your dreams

Talk to me about your lifestyle and interests in the near term and plausible changes in the next three, four or next seven to ten years.  This  could make a difference between a multi level, two story, atrium, ranch, villa, town house, condo, or REO properties.    This also could make the difference between city, suburban, or country living.  I can guide you in your research of schools, demographics, and statistics for your dream neighborhood.  We will view the prices that homes in your chosen neighborhood have been selling for, plus past statistics on neighborhood appreciation.  You can have your own Personal MLS web sheet to track listings that match your criteria.  The Century 21 site even has a feature that allows for viewing anticipated furniture arrangement in a room. 

There are many online calculators that I can point you to that will show rent/buy comparison, help with your cash flow, figure out how much you can afford, amortization, monthly payments, and more.  Remember that a thirty year fixed rate mortgage with zero down may not be the best choice for you.  Depending on your situation I can provide information and point you to those lenders that specialize in the needed type of financing.  We like to get a Good Faith Estimate from the lender.  I can help to verify that there are not a lot of junk fees, the fees are reasonable and competitive, and the rates are fair and competitive.  The good faith estimate is used many times if you are shopping for a loan.

At contract time, use me.  The purpose of the contract is to limit exposure to litigation.  There are contingencies, disclosures, and riders that protect the buyer, and the seller.  Structuring this for your situation takes into account items included/excluded, purchase price, method of financing, the closing, appraisal riders, public water utility rider, contingency for sale and closing of buyer's property, gas inspection, title and survey, adjustments and closing costs, inspections, insurability, back flow certification, earnest money, loss and remedies, assign ability and binding, final walk through, flood plain, special agreements, sellers disclosure, and more.  I also advise on negotiations, and the structure of our counteroffers. 

Actually I want to handle the sale of your existing home also.  There are a lot of tools that we can use to make your move easier.  Staging, price and marketing still make the difference in selling your home for the highest net  in the shortest amount of time.

Hire me as your Professional Realtor.

Dwight Puntigan

636-219-6242