Jovelyn Hawkins
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Jovelyn Hawkins
I have always enjoyed helping and reassuring people in my prior career as a nurse/midwife to understand needs and assist to solve it. Use this calculator to determine how much house you can afford. By entering details about your income, down payment, and monthly debts, you can estimate the mortgage amount that works with your budget. Some properties which appear for sale on this web site may subsequently have sold or may no longer be available.

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Services
Properly prepare forms, contracts and disclosures, which are required by law, and make sure that they are legally correct.
Provide comparable sales data to assure that you are paying the proper price for your home.
See that the completion of the transaction is smooth, including obtaining keys and taking possession of the property.
Advise you as to any inspections such as septic, well or soil, which might be applicable to the specific property in which you are interested.
Advise you as to what course of action should be taken if the seller refuses to close the transaction.
Before you step foot into the first home you look at, it's a good idea to thoughtfully determine your wants and needs, and the difference between the two!
By analyzing your needs you will be able to get a clear picture of exactly what you want your new home to look like and how it should function for you.
Once you're in the thick of viewing homes, it's all too easy to fall in love with someone's decorating or a home's outstanding architecture - and to completely overlook that there aren't enough bedrooms or bathrooms to fit your needs.
A written proposal is the foundation of a real estate transaction.
Therefore, you need to enter into a written contract, which starts with your purchase offer.
This proposal not only specifies price, but all the term and conditions of the purchase.
There are a variety of standard forms used by agents and bound by both the law and local practice.
After the offer is written and signed, it will be presented to the seller by your agent in the presence of the seller's agent, or by the seller's agent alone.
Unless you're planning to make an all-cash purchase (in which case you'll be a very popular buyer!), you're going to have to secure a mortgage.
Though the process can be complex and daunting, it helps to understand what to expect and to take the time up front to really sit down and know what you want and need from your lender.
This section is devoted to helping you reach both those aims.
In exchange for your mortgage, you will pledge your home as security for repayment of your loan.
The lender agrees to hold the title to your property until you have paid back your loan plus interest.
It is customary and prudent for a buyer and seller to have a third, disinterested party to assist them in carrying out the terms of their agreement.
In California, this procedure is known as an escrow.
When opening an escrow, the buyer and seller establish terms and conditions for the transfer of ownership of property.
Your escrow is created shortly after you execute the contract to purchase your home.
The escrow becomes the depository for all monies, instructions and documents.
The Escrow Officer has the responsibility of seeing that all terms of the escrow are carried out.
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