Brimley Real Estate

The first step in purchasing a home is to arrange for financing. There is nothing worse than getting your heart set on the perfect place, only to find out later that you don’t qualify for the monthly expense of that purchase.  Lenders have a way of analyzing your income, savings, monthly expenses and credit rating, in order to help you determine your ability to purchase a home and, how much you should be able to finance.  Your lender can also help you understand what all goes into financing, what is included in your payment.

Closing costs are the expenses associated with the purchase of a home, and they are typically made up of a few different components. 1) Loan costs/fees, which are basically the fees the lender charges the consumer, other than interest, in order to “put up the money. 2) HOA (Home-Owners Association) fees, some of which may be charged up front. 3) Title Fees: Paid to the title/escrow company, for managing the transaction as a neutral third party. Typically, the title company also charges for guaranteeing clear and marketable title in real estate.

Over the years, I have been fortunate to work with some truly talented people in both the loan and title industries! I look forward to the chance to introduce you to them, so you can see what I mean. They honestly have your best interest in mind and heart.

I highly recommend it! Even on new homes, there can sometimes be oversights; it just happens. We are all human. Sometimes we just fall into the routine and overlook things. By hiring a professional home inspector to take a second look, there is nearly always something they find that proves to be very helpful. It may be a code issue that needs to be taken care of, or evidence of water or fire damage, or radon gas, termites, electrical issues, foundation problems, and the list goes on and on. Don’t let these things scare you. Most places don’t have all of these challenges, but most homes do have some issues. Better to go in with your eyes wide open.

I have a list of excellent home inspectors and would be happy to make some introductions.  If I am referring you to them, it is because I have done business with them, and I trust them. Therefore, you can trust them, too.

The great news is that, when you are purchasing a home, I work for you for no commission! Normally, the Realtor commission is paid by the Seller, and has already been negotiated into the sale before we come into the picture.  But wait, it gets better! As your Realtor, I am on your team. I am here to guide and protect you through this often tedious and complex process. I am here to help you negotiate the best deal and most favorable terms on your purchase. I am here to share, not only my experience and expertise, but my great resources of contacts who, together, will help you every step of the way, not only before you buy, but long after you have purchased.