•  Assure that you see all the properties in the area that meet your criteria.

•  Guide you through the entire home buying process, from finding homes to look at, to getting the best financing.

•  Make sure you don't pay too much for your new home and help you avoid costly mistakes.

•  Answer all of your questions about the local market area, including schools, neighborhoods, the local economy, and more.

Before You Start Looking For Your New Home:

•  Check your credit rating, Straighten out any errors before its too late.

•  Determine a comfortable monthly budget for your new purchase, including down payment and monthly payment.

•  Find a loan program that meets your needs and get pre-qualified (preferably pre-approved).

•  Choose a REALTOR? that you trust and who understands your needs.

•  Determine what neighborhood best matches your needs. eds.

•  Identify important features you need your new home to have.

•  Lender fees include charges for loan processing, underwriting, preparation and establishing an escrow account.

•  Third-party fees include charges for insurance, title search, and other inspections such as termites.

•  Government fees include deed recording and state & local mortgage taxes.

•  Escrow and interest fees include homeowner's insurance, loan interest, real estate taxes, and occasionally private mortgage insurance.

Find out how much your closing costs could be.