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10 Reasons For Home Ownership
1.- Estate Building! Why not build your own estate instead of your landlord's?
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Definition of Agency
Agency laws vary from state to state - and they continue to evolve. The goal is to provide competent and professional service to the consumer.
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10 Questions To Ask Your Realtor
1.- How long do you plan to be in the business?
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Sales Agent Selection
The real estate profession is structured so that its practitioners will cooperate with one another in the buying and selling process.
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Loyalty
Finding the right home is not an easy task.
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Advantages Of Working With One Agent
- You become familiar with how the agent works
-You can place confidence in that agent's ability
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As Your Buyer's Agent, I Offer These Advantages..
Access to hundreds of homes for sale
I can save you time by locating the ones that suit your needs as they become available
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Client Testimonials
List any testimonials you may have. Work on getting letters from clients to promote yourself.

The Home Purchase Process
1.- Decision to purchase a home
2.- Sales associate selection
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Your Home Search Requirements
Tell me about the home you are leaving-
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Buyer's Scorecard
Keep score of the homes that you view.
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What Can You Afford
Before you set out on a house-hunting foray, you should know what price range is realistic for you.
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How To Select A Home Mortgage
There are many alternatives to consider when selecting a mortgage for your new home.
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Calculate Your Net Worth
Quick and easy form to calculate your net worth.
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Compare Loan Costs Worksheet
Purchasing a new home involves coming up with the initial investment in the form of a down payment; it also includes the cost of the loan.
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Putting Together The Down Payment
Any effort put toward purchasing your home is well worth it. Not only will you gain an improved life-style, but also home ownership still offers one of the best tax advantages available today.
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Items Needed For A Credit Application
EMPLOYMENT:, CREDITORS:,
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Preparation For Settlement
You will be required to bring several items to the settlement or closing, including a copy of a homeowner's insurance policy and a paid receipt representing one year's coverage.
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Hints To Buyer's For Smoother Closings
Contact your lender to determine if a binder for homeowner's insurance is acceptable. In most cases, the actual policy is required, and your insurance carrier needs adequate time to prepare and deliver the policy. Bring a copy with you to closing
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Glossary Of Terms
Abstract of Title:
A summary of the public records relating to the ownership of a particular piece of land. It represents a short legal history of an individual piece of property and traces the ownership of that property from the time of the first recorded transfer to present
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Appraisers, Home Inspections and More..
Contact your lender to determine if a binder for homeowner's insurance is acceptable. In most cases, the actual policy is required, and your insurance carrier needs adequate time to prepare and deliver the policy. Bring a copy with you to closing
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Home Inspections
Home inspections conducted by a professional inspection company are an excellent precaution when purchasing a home. The inspection usually includes appliances, plumbing, electrical, heating and ventilating, bath and kitchen fixtures, roof and the foundation and general structure.
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Home Warranty Protection Program
Whether you are buying or selling a home you should protect, what may be your biggest investment, with the purchase of a home warranty service contract.
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Understanding Closing Costs
Application Fee:
Fee charged by lender to offset fixed costs related to mortgage loan processing such as appraisal, credit report, and underwriting
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Mortgage Payment Estimate Chart
Calculate what you mortgage may be.
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What Is Title Insurance
Title insurance provides protections against such unforeseen elements as claims against the title of your home that weren't revealed during the title search.
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Problems That May Arise From Contract To Close
The time between the sale of your home and the closing or settlement can be challenging. The following partial list is provided to illustrate some of the problems that can occur in a real estate transaction:
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