The Right Help You Need When Buying A House...

Simplify the process of buying a house with the expertise of Barbara Murphy, REALTOR^® of REALTY ONE GROUP, INC.  I am an agent that has the knowledge necessary to have your offer chosen by the seller.  Come prepared to the bargaining table.  You will need a current pre-approval letter from a lender to present with all offers requiring financing. Knowing how much home you can afford, the type of financing you desire and the down payent required  must be done before you begin your search.  Today's real estate market is moving FAST.  Making sure you are knowledgeable and prepared before you view that first listing is my number one goal.  The lender will go through the steps of the process of the financing in detail so that you can understand what will be expected of you while trying to purchase a home.  They will advise you to not change anything in your financial environment.  There are some things that you can't do if you wish to qualify and conclude the purchase of a home.  Do not change jobs; do not make a big purchase; do not have any changes in your payment history are a just a few things that have to be vigilant about before you make up your mind to buy.  Allowing these changes to take place have caused other buyers to fail in their attempt to buy a home.  If you are thinking of purchasing a home, contact me for the name of some lenders that have helped other buyers.  I will put you in contact with them to teach you what could impact your ability to qualify for a loan.  When you find a property and put Earnest Money in escrow, you do not want to risk losing it by your actions or inactions, if it were.  The lender will provide you a good faith estimate of all of the buyer's costs involved in the purchase including the down payment and closing costs.  They will discuss the appropriate sources of your down payment and funds to close.  Buying a home is so much more than choosing the home that appeals to your senses.  If you take the time to do the work necessary to prepare yourself, you may have a chance in having your dream come true.  I will do my level best to see the transaction to a successful closing.  The selling commission used to be paid by the seller, alone.  Things have changed somewhat.  Buyers can sometimes pay a buyer's brokerage fee to their agent, if the seller does not offer to pay the selling agent's commission equal to what is standard in the industry.  Sometimes the seller does not have enough equity in the home to pay the commission.  The closing fees are paid by both the buyer and the seller in the purchase and sale of a home.  Knowing in advance the amount you will need for a successful transaction and closing makes all the difference in how the transaction progresses.  Being the kind of agent to put first things first, has gained me return clients who trust me to provide guidence they will need.  If you are thinking of buying a home, I am waiting to help you.  Contact me to get started.  

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