Insider tip #1 What's a 'Buyers Agent'? That's a professional like myself who specializes in assisting you, the buyer, whether a first time buyer or seasoned homeowner, in selecting the right property for you while protecting your interests during the transaction. FSBO's?
Need help completing the disclosures & purchase agreements & state requirements? Fee-based help in as close as a phone call. 812-637-8585 See the tip below......
Insiders tip #2: Buying a home? When you see a sign in a yard, or an ad, the name on that sign is the real estate agent who listed the property for the homeowner. That agents first responsibility (called fiduciary responsibility) is to the homeowner, not to you, the potential buyer. If you call that agent, he/she CAN'T tell you the inside story or what the seller will take for the property. Get someone on YOUR side of the transaction, looking out for your interests, by calling me and have me check out the property condition, disclosure forms, and all the inside info before you even see the house. Now I have a fiduciary responsibility to you, the buyer, insuring you get the best information, so you can make the best deal on the property. Its fast, easy and free to you, the buyer. From your first impression of the property, to writing up the sales contract, to final closing when the property becomes yours, you will have my full attention. Contact me at 812-637-8585 or
Insider tip #3: The dreaded " C " word..credit. Maybe 10 years ago, credit was flowing, and near everyone could get financing for a home. Its much different today. Today, as a general rule, you need at least a 640 FICO credit score to qualify for a home mortgage. Always check with a bank or mortgage broker, but thats the criteria today. As many credit cards are showing you your FICO score today, its pretty easy to see if you're going to qualify for a mortgage or not, without actually pulling your credit score. There's also a trend with sellers that asks a potential buyer to show them a pre-approval form from a bank or lending broker before they book a showing. Makes sense. If you can't qualify for a mortgage, why look at the house? A waste of time for the seller, the buyers agent, and most important, you, the buyer. If you think you qualify for a mortgage, and need a reliable mortgage broker, give me a call and I'll hook you up with the broker who suits your needs. VA, FHA (including 203K's), conventional mortgages, HUD, Fannie Mae, Freddie Mac, Homepath, I'll make the buying process quick &easy.
Insider tip #4: If you choose an agent on the basis of how fast they return your call, you might be missing the point. It takes a few minutes to look up the property your interested in, assess the info, look up the tax and duration issues, age of the house, then call you , or e-mail, with the assessment of that property. Fastest isn't always the best. And you rarely find out any important info if the agent doesn't have time to look it up. If your clicking multiple agents, give me a couple of minutes to REALLY help you before you decide which agent is best for you.....
I've been a property owner in Dearborn County, IN for over 30 years, know the surrounding areas well, from neighborhoods to rural land. A background in remodeling and home building means you'll get expert advice on any questions concerning your new home or property here in Indiana. VA, FHA to conventional financing, I know the right people to make the sale happen for you. Mature, thorough, and serious about making your move fast and easy. Call 812-637-8585