BUYING SELLING, HOME BUYING, BUYING A HOME - HOUSE

MARYLAND – DC

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First Time Home buyers

Buying your first home is a big financial step. If you do not understand anything about buying a home, then it would be wise to sit in on one of our workshops to understand more about home ownership and the financial responsibilities that are associated with such a big investment. We offer bi weekly home buying seminars to help keep you informed on just about everything pertaining to your home purchase. Often times lack of knowledge and or understanding, is the only thing that is holding you up from home ownership. I would like to help you go from Renting to Owning. I can show you how to lay hold of the American dream and make it a reality in your life. If you think or know that you are going to purchase a home within the next 6 months, and you need more information pertaining to the process, then come to our FREE home buying seminar and let me help you achieve your home ownership goals. For a more in depth picture of what we offer in our home buyer seminars, please visit my home buyer site at www.newhomebuyerseminars.com .

REGISTER FOR OUR NEXT HOME BUYING SEMINAR

NOTE: ALL HOME BUYING ATTENDEES ARE AUTOMATICALLY ENTERED INTO OUR FREE GIVEAWAY DRAWINGS THAT ARE BE HELD AT THE END OF THE SEMINARS.

Special Note to the Home Buyer!

Buying a home is one of the greatest investments that you will make in your life.  Whether you are a first time home buyer or an experienced home buyer, the services of aReal Estate Professional are extremely important when executing and understanding the terms and conditions of a real estate contract. There are many factors to determine when purchasing a home. However, before determining what type of home you would like to purchase, you must first find a Realty Executive that is going to keep your best interest in mind and exhibit patience when helping you find that perfect home.

I will help you walk thru the pre-approval process, the relocation process, your home search, writing the offer, and settlement. I will take you by the hand step by step and will help you with every process that you may experience the American dream of home ownership.  As your local Realty Executive, I will provide you with information that you will make a wise, prudent, and informed decision.

As alicensed real estate professional, I have the professional skills and ability to make home ownership in the 21^st century a reality and not just a dream for you. It is now time for you to EXIT your Rental Agreement and Enter into your home purchase agreement for your dream house. I can inform you of programs that you may qualify for that you may not even know about. Once you’re my Buyer Client, I will do all that I can to make sure that your home buying process is a great success. I also have other information that you will find to be beneficial to you also.

What Home Buyers can expect

As my Buyer Client, you can expectprofessional real estate services to include: Client Loyalty, Client Confidentiality, Listening and responding to your requests, Disclosure of pertinent real estate information so that you would be able to make an informed decision. All of my Buyer Clients can also expect to have their real estate transaction handled with the utmost care and respect. With so many Maryland – Md. and DC Metro Area real estate professionals to choose from, you can rest assure that you have found the one that is able to help you execute yourreal estate transaction.

As my Buyer Client, you can rest assure that I will always keep your best interest in mind and will provide thereal estate services needed to help you achieve your goals. We are ready to help you walk thru the entire process of buying your new home. From understanding your credit to making an offer to the final closing, I will be there to help you every step of the way.

We understand the process of buying a new home and we are ready to help make your American dream a reality!

The Home Buying Process at a Glimpse

·        Understanding Your Credit – Understanding your credit is the first step in purchasing your new home. Credit plays a vital role in determining how much house you can get financing for, your interest rate on the loan, and the terms and conditions you may qualify for the loan.  Credit has a very important impact on your home buying power and should be taken very seriously when thinking of buying a house.

Here are a couple of tips that may help you either improve or maintain your credit:

• Pay your bills on time. Remember that this payment history factor contributes to 35% of your over all score. It is crucial that you maintain at least minimum balances on your revolving debts, which will ultimately make the biggest impact on your credit. Remember, credit is very important and can have either a positive or negative affect on Home Buying.
• In all cost please try to avoid late payments. However, if you find your credit contains a few late fees, then you may contact the creditor to request them to be removed. If that does not work due to financial difficulties that you may have gone thru and as a result you know have negative reporting information, then try to resume making payments as soon as possible. This will avoid additional fees and balances accumulated. Remember, the amounts owed makes up the second biggest contribution to your score in the form of Amounts Owed, which makes up 30% of your FICO score. Remember, credit is very important and can have either a positive or negative affect on Home Buying. Avoid maxing out your credit cards, and paying down installment loans, this fact is important regarding your debt to income ratios.
• It is recommended that you do not close any accounts that are current.  If you are no longer using them then don’t. However, if you keep them open it will contribute to your credit score in the area of Length Of Credit History, which makes up 15% of your credit score. Even though that are open accounts, it is still considered to be good because of the contribution that it makes to your Length of Credit history. This is very important to lenders if you are trying to get a home loan.
• Try to keep your revolving credit at a minimal, to include department store cards and credit cards. This will help your score in the area of New Credit Accounts, which makes up 10% of your FICO score. This is important because when you are in the market to purchase a home, it is important that you do not have any items that may be considered to impact your ability to repay the home loan. Remember to always use New Credit Accounts wisely and keep in mind your debt ratios. If at all possible, when you are in the market to purchase a home, avoid opening up accounts all together.
• Another factor would be Types of credit Used, which makes up 10% of your score. Remember, the type of credit that you obtain will impact your score.

Note: Bankruptcies affect your credit for 7 – 10 years. Please remember to use your credit wisely and responsibly. If you are purchasing a home in the Washington DC and need financing, I can help. Click on the link below to get pre-approved for your new home purchase.

Down Payment – The amount of money for down payment on a house may vary depending on your credit history, credit score, and current loan programs available. By understanding your credit and how it may impact your home purchase terms and conditions, and down payment requirements based on your score. Other charges, down payment cost and additional fees may vary. However, it all is important that  your credit is maintained and free from any defaults that may cause your score to drop. Managing your Real Estate Portfolio may result in

·        Pre-Approval Process  - This is the part where you meet with lenders and go over different financing terms and conditions. This step also allows you to understand how much house you qualify for. This is important during your home search as this will serve as a foundation to start performing home searches. It is very important that you are honest with the lenders at this level because everything will come to the light once your credit is pulled and reviewed.

GET  PRE-APPROVED NOW!!!!.

·        Understanding your Mortgage Type  - There are many different mortgage loan types, terms and conditions that are available on the market to choose from. Normally, a lender may have several different program types available that you may be able to choose from. It is extremely important that you understand and have the information needed to make an informed decision when choosing a real estate term or condition that involves your finances. Below, are a few of the most common and popular real estate financing loan terms that are used for securing financing for home loans. The information provided below is for informational purposes only and for a more in depth explanation, you may want to consult the services of a loan officer.

There are several types of mortgages that are available. We have listed a few that are commonly used for Residential and Commercial Real Estate. Too name a few: Fixed Rate Mortgage, Adjustable Rate Mortgage, Assumed Mortgage, Balloon Mortgage, Blanket Loan, Buy Down, Equity Loan, Commercial Loan, and Hard Money Loan.

·        Home Search – During this phase of your home buying process, you may want to now take time to research the neighborhoods. At this point, you have completed the credit assessment, you have an understanding of your mortgage type, and you are pre-approved for a mortgage loan. You know how much house you can buy and now you can start your home search.  You may want to research different areas in DC or Maryland that you would like to live. Remember, the full research of your neighborhood is in your hands and I would recommend you to take a look at the different communities and neighborhood and make a decision on where you would like to live, based on the amount of house you are approved for, your desired amenities and after you have done the research, now you are ready to start Viewing Properties. The only thing that I would need to from you is your Wish List, which you can tell me where you would like to live and I can pull up every house that includes your desires based on your “Wish list”. Once I have this input from you, as my client, I will help you find your dream house!

·        Making an Offer – Making an offer is a very important part of your real estate transaction. By receiving the experience from a Licensed Professional Real Estate Agent, you can rest assure that I will provide you with the information needed to make an informed and competent decision regarding your offer including, but not limited to, providing you with CMA’s so that you can make a competitive offering price in addition to making sure that your best interest is FIRST in the real estate transaction.

·        The Home Inspection – This is one of the most important steps in a real estate transaction. You want to make sure that you invest in a deal and not a dud. A home inspection is an examination the condition of a home, often in connection with the sale of that home. This is carried out by a home inspector, who usually has special equipment and training to carry out such inspections. An inspector will check the roof, basement, heating system, water heater, air-conditioning system, structure, plumbing, electrical, and many other aspects of buildings looking for improper building practices, those items that require extensive repairs, items that are general maintenance issues, as well as fire, safety, and health hazards. Think of a home inspector as a detective searching throughout the house for clues that lead to a conclusion of the home's overall condition. A home inspector determines the condition of a structure. A home cannot "fail" an inspection, as there is no score or passing grade given. A professional home inspection is an examination of the current condition of a house.  A home inspector, therefore, will not pass or fail a house, but rather describe its physical condition and indicate what components and systems may need a major or minor repair or replacement. A home inspector has the knowledge, skills, training and experience to catch the smallest defects that the naked untrained eye would not be able to catch.

·        Final Walk Thru – After the inspection has been completed at this point you are ready to have your Final Walk Thru. After all of the components have been either fixed, negotiated, or funds provided for replacement costs, it is now time to check and verify all repairs that were made and make sure that the property looks the same way it did when you first made the offer. This is an important part also, because you are able to catch any items that you thought were a part of the home when you made your offer that are missing or have been replaced that were not a part of the home inspectors analysis of the property condition. Without the walk thru, you may not discover any changes in the property that were made without your knowledge and this may lead to frustration, further negotiations, or a possible settlement delays.

·        The Closing Process – Today is the BIG DAY! The day you become the owner of your new property and when it is time to finally see the real value behind all of your efforts. At this point, as my client,  I will accompany you to make sure that everything goes well regarding the paperwork, terms and conditions, and to answer any final concerns or questions that you may have. This is the day of celebration and a day of Great Accomplishment! The only thing left for you to do is CELEBRATE!

It can be really hard to find the right realtor with some many local real estate brokerage firms to choose from like: Exit, Weichert , Long & Foster, Remax, Century 21, Coldwell Banker/CB Move, Prudential, WGL, Global Realty Marketing, Keller Williams, Realty Executives, Fair Fax Realty, Diplomat Realty, Powerhouse, however you have certainly found that needle in a haystack and Your local Realty Partner can help you find your dream home. You can rest assure that as My Client, I will consider your best interest in every real estate transaction and will help you understand your contracts so that you can make an informed decision.

“THANK YOU” GIFT CARDS AND VACATION PACKAGES

I have decided that as a way to say Thank You for allowing me to serve as your Licensed Real Estate Professional, to provide all of my Clients ( Buyers and Sellers) with “Thank You Gifts”. All Thank You Gifts are  from me to all of my clients just to say “Thank You” for allowing me to assist you with your selling or buying real estate transaction. All “Thank You Gifts” are given at settlement and are NOT redeemable for cash. There are also different “Thank You” gifts provided for referrals. We are really glad that you have decided to either buy or sell your house, and I am extremely happy that you have considered me to represent you as my client.  DO NOT DELAY!  Schedule your real estate consultation by clicking on the link below and be on your way to financial real estate wealth! All Thank You Gifts that are received are NEVER redeemable for cash.

“THANK YOU” GIFTS ARE NOT REDEEMABLE FOR CASH

NO CASH SUBSTITUTIONS FOR “THANK YOU” GIFTS

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                                    Shataa Whittle - Realtor
                            Office: 301-362-4500 x 5146
                           Cell:202-276-2295
                            Direct Dial:240-264-5146
                            Direct Fax - 240-264-5246 
                       8730-16 Cherry Lane
                         Laurel Md 20707





“Your Local Realty Partner”