OUR FAVORITE LENDERS.

Get pre-qualified today!

Getting pre-approved for a mortgage is truly the first step that you should take if you’re serious about buying a home. First-time homebuyers, however, are often intimidated by the amount of work that it can take to get approved and end up shuffling this important step to the end of their to-do list. This can be a costly mistake.
These days, houses can go off the market fast. In order to be competitive, buyers need to make sure they’re ready to submit an offer as soon they’ve found a home they love. Having a pre-qualification in hand is part of making a strong offer. The fact that you’ve taken the time to have a lender vet your finances shows the seller that you’re a serious buyer. In competitive markets, sellers often won’t even consider an offer without mortgage pre-qualification unless it’s all cash.

Buyers often worry that applying with multiple institutions will negatively impact their credit score. This is only partially true. Mortgage pre-qualifications are based on “soft” credit pulls (inquiries) (surface level look at an applicant’s lines of credit, loans, payment history, and any collections accounts), whereas mortgage pre-approvals are based on “hard” credit pulls (in-depth review of an applicant’s entire credit history).

INSPECTION TIME?

Inspectors that do the job right.

Home inspections provide an opportunity for a buyer to identify any major issues with a home before closing. Your first clue that a home inspection is important is that it can be used as a contingency in your contract with the seller. This contingency provides that if a home inspection reveals significant defects, you can back out of your purchase offer, free of penalty, within a specific timeframe.

If at all possible, it is recommended to attend your home inspection process.  This is a valuable educational opportunity. Never pass up the chance to see your forthcoming home through the eyes of an expert.  The cost of a home inspection may vary depending upon the size, region, and age of the house.  A home inspection could take anywhere from 2-5 hours, again, depending upon the size and age of the home.  It is not an inspector’s responsibility to correct, or repair any potential issues found in the home.  An inspector may recommend repair, or to seek out skilled professionals in each trade for further information. A home inspection will definitely give the buyer peace of mind and put the buyer’s mind at ease that the home is in good shape. It can also become a negotiation tool in closing, and could inform the buyer of potential future maintenance and upkeep.  A seller of a home may also request a home inspection before the home is put on the market.  This may assist the seller in setting a price, correct any issues with the home before it is put on the market, or merely having a pre-inspection report available for buyers informing them that the seller has nothing to hide. 

TITLE COMPANIES THAT WE TRUST.

Are you ready to close?

Title companies help people buy, sell, and refinance real estate by examining who has ownership rights to a property. They make sure the seller has the right to transfer the property free and clear to the buyer. A title company will conduct a title search of public records related to the property to look for any problems with the title. If the title isn’t clear, the title company will try to resolve any issues so the transaction can proceed.

The title company performs three key functions in the real estate process:
1. Determines and eliminates issues that might jeopardize your ownership rights
2. Provides insurance policies to protect the lender and the homeowner
3. Handles closing details and escrow accounts