Frequently Asked Questions

How Do I Start the Mortgage Loan Process?
What Is My Home Worth?
How Do I Find My Dream Home?
What's involved in relocating?
Will Staging My Home Help Me To Sell In a Slow Market?
How Do I Price My Home?
How Do I get My Home Ready For a Virtual Tour?
Should I Buy or Rent?
Why Do I Want Representation?
What is an Internal Rate of Return?
How Can I get Started Investing In Real Estate?
What are the 10 Steps To Sell My Home Fast?
What are your expectations of the person representing you in a real estate
transaction?
How will you know if that person is representing you and not "The Company" or "The
Builder"?
Will bankruptcy prevent me from home ownership?


How Do I Start the Mortgage Loan Process?

Your financing will make or break your transaction. Financing is the key to making your best offer, especially in a competitive market. Use the icon above to obtain free copies of your credit report. Begin by disputing any untrue or derogatory reporting.

"A" Borrowers typically can get financed anywhere. "A" borrowers usually have excellent credit and will have been in the same line of work for more than 2 years.

"B" Borrowers can be self employed and/or have less than perfect credit. Many fall into this category. FHA and various conventional lenders are excellent sources for this category.

"C" Borrowers may not be able to verify their incomes, employment history or have filed bankruptcy in the last 2 years. Yes, "C" borrowers can still own their own home.

"D" Borrowers typically will need a minimum of a ten percent down payment or will need to rely on seller financing. "D" borrowers can work to increase their credit scores after they get into their desired property and can later refinance once their credit has been reestablished.

"F" Borrowers may lease to purchase until they are able to clean up their credit report to purchase.

Yes, anyone can own their own home. By choosing the icon below you can determine what amount of mortgage you will qualify for.

What Is My Home Worth?

Each home is unique. By filling out the information requested, you will be able to meet us in person when we come to look at your home. There is no obligation. This service is free.

How Do I Find My Dream Home?

Find your dream home by using the icon below to tell the computer what you desire. By using this service you will be the first to be notified when a home that meets your criteria is listed.

What's involved in relocating?

Are you looking to relocate? Simply click on the "request a consultation" icon below and fill out the survey so that we can help you with your move. Your privacy is important to us. Your information will not be shared, sold or exchanged with anyone else.

Will Staging My Home Help Me To Sell In a Slow Market?




How Do I Price My Home?




How Do I get My Home Ready For a Virtual Tour?

1. 1. Understand the camera's perspective. The camera will likely magnify clutter and poor furniture arrangement.
2. 2. Make sure each room is spotless as the camera will magnify grime.
3. 3. Pick up the clutter. Leave 3 things of varying heights on each surface. Ex. A lamp (high), a plant (medium) and a book (small).
4. 4. Still photos will give you an idea of what the home will look like on camera. Let in the light and take down distracting articles.
5. 5. Make your space appear larger by removing furniture.
6. 6. Create a focal point on the farthest wall to create depth of space.
7. 7. Cameras love plants and solid color.
8. 8. Keep your home as clean for Buyers as the virtual tour.

Should I Buy or Rent?

Consider this, "Will you be moving in less than two years?" If no, then buy. Buying builds equity. Your payment will stay the same. If you keep making the payment at some time in the future the property will be paid for. The Value of the real estate may increase and current federal tax laws favor home owners.

Why Do I Want Representation?

Brokers know about real estate that may not have a sign in the yard for various reasons. 90% of the homes for sale are listed. Besides, it is time consuming to drive around to neighborhoods and open houses. You may take just one weekend off from looking and loose out on your dream home. A Realtor watches the market for you.

What is an Internal Rate of Return?

Internal Rate of Return IRR equates the present value of the cash inflows and the present value of the cash outflows. The decision rule for IRR is if the IRR is greater than or equal to the investor's required rate of return, the investment should be accepted; otherwise it should be rejected.

How Can I get Started Investing In Real Estate?
There are many types of real estate investments. Questions to ask yourself are:

1. 1. How much time do I want to be involved in the investment?
2. 2. How much money am I willing to deploy to the investment?
3. 3. What kind of a return on my investment do I need?
4. 4. Do I want something that I can drive by?
5. 5. Am I willing to be involved in a partnership?
6. 6. Do I need someone to manage my investment for a fee?

What are the 10 Steps To Sell My Home Fast?

1. 1. Drive by your home and notice the exterior from a potential buyer's eye.
2. 2. Clean the porch and the entry.
3. 3. Pack any extra stuff including photos and personal possessions.
4. 4. Clean the windows and dust the cabinets.
5. 5. Paint the dirty walls.
6. 6. Clean the carpets and wash the floors.
7. 7. Haul away trash.
8. 8. Trim the trees and bushes.
9. 9. Clean out the garage and outbuildings.
10. 10. Put in new light bulbs.

How will you know if that person is representing you and not "The Company" or "The Builder"?

Call or email us for frank advice and an honest opinion. Be sure to include how we may contact you by including a phone number and/or an email address.