Buying a home is an exciting time in one’s life. Making the smart move of choosing a CG REALTOR® is your first step to ensuring that your new home and community meet your needs.
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Why Choose A CG REALTOR® As Your Agent
A CG REALTOR® will make sure you see all the properties in the area that meet your requests & desires. We will guild through the entire home buying process from start to finish. This includes finding homes for you too look at, guide you through inspections, lead you through making buyer offers, making sure you get the best financing available & ultimately helping you move in once you have purchased your home.
A CG REALTOR® will make sure you don’ t over pay for your new home and help you avoid making costly mistakes. We are here to answer all of your questions about the local market area including the local economy, neighborhood stats & school programs.
The CG Promise- Our Gift To You
Buying a home is stressful enough, let us help take care of some of your worries. Buy your home through us and we will pay for your moving truck. Forget the hassle of finding a moving truck and setting up the arrangements. Let us take care of this by providing you with our reliable moving truck service. In additional to this service we will also pay for your first year of homeowners insurance.
Before You Start Looking For Your New Home
Before you start looking for your new home there are a few important things to take care of to make sure your buying experience is as smooth as possible.
The most important thing to do before you start your home search is to check your credit score so you know what your buying power is. If there are any errors do your best to fix them. Errors can affect your buying power once the bank is ready to offer a loan amount. After you have your credit score and fixed anything that might affect your buying power you should find a loan program that meets your needs and get you pre-qualified.
Put together a monthly budget. Figure out your monthly expenses and determine a comfortable monthly mortgage payment that suits your needs. Next determine how much you can include in a down payment for your new home. Your monthly mortgage payment might include additional costs such as home owners insurance, home taxes and closing costs so please keep that in mind. After you have put your budget together identify the type of neighborhood best matches your life style and determine what special feature you want your new home to have so these needs can be expressed to a CG Real Estate Agent.
If you feel lost and need help getting started on ANY of the actions listed above we can help! Do not hesitate to ask your CG Real Estate Agent for assistance.
Whatever type of mortgage you are looking to get including, FHA Mortgages, USDA 102% Mortgages, VA Mortgages, Fixed Rate Mortgages, or Variable Rate Mortgages we can assist you in finding a mortgage company that suites your needs.
AND it doesn’t stop there, if you are also looking for a dependable insurance company for your home owners insurance we can point you in the right direction for that too! CG Real Estate is dedicated to assisting you from start to finish for all your real estate needs, taking care of small details that go into a successful, stress-free home buying experience.
Closing Costs to Expect:
Closing costs will vary from closing to closing. Closing costs include such fees as Lender fees, third party fees, government fees, escrow and interest fees depending on the closing.
Lending fees include charges for loan processing, underwriting, preparation and establishing an escrow account. Third-party feed include such charges as insurance, other inspections such as termites and title search. Government fees are charges for deed recording and state and local mortgage taxes. Escrow and interest fees include loan interest, real estate taxes, home owner’s insurance, and possible private mortgage insurance.