Finding a Good Agent

What I Can Do For You

Benefits Of A Buyer's Agent

Preparing To Buy a Home

Getting Prepared

1st Time Buyers

Renting vs. Owning

How Much Do I Need?

What Can I Afford?

Income vs. Debt Ratios

Estimate Your Buying Power

Understanding Your Credit Score

Examining Your Credit History

Getting Pre-Approved

Finding A Property

Are You Ready To Find A Property?

Visiting Open Homes

Using A Property Checklist

Other Considerations

Making An Offer

The Basics Of Making An Offer

The Purchase Agreement

What You Need To Know

Negotiating

How Much Should I Offer?

Finding A Home Loan

What Is A Mortgage

Typical Mortgage Providers

Choosing A Mortgage

Fixed Rate Mortgages

Adjustable Rate Mortgages

Common Questions

Loan Applications

Loan Application Checklist

The Underwriter

What Will Be Included In My Mortgage Payments?

Your Rights As A Consumer

Closing The Deal

What Is Escrow?

The Sale Process

Your Responsibilities

Buyer Disclosures 101

The Loan Process

Closing Costs

Who Pays For What?

The Escrow Process

Property Tax Calendar

Courtesy of Sonata Realty