THE HOMEBUYING EXPERIENCE
|
|
- Claribel Gregory
- 5 years ago
- Views:
Transcription
1 THE HOMEBUYING EXPERIENCE A STEP BY STEP GUIDE TO HOME 2018 EDITION
2 CONTENTS CONGRATULATIONS! You have made the decision to purchase a new home! We developed this guide to provide you with an understanding of what to expect in the upcoming months. Your new home is in reach! THE AKEL APPROACH... 1 THE SEARCH... 3 FINANCING... 4 DESIGN... 6 THE CLOSING WELCOME HOME INSPECTION CHECKLISTS & MOVE-IN... 20
3 THE AKEL APPROACH THE BENEFITS OF AN AKEL HOME YOUR HOME, YOUR WAY: Create the home of your dreams! Select your floor plan, elevation and color schemes and several interior and exterior finishes through the Design Studio. DESIGNED FOR TODAY: A new homes comes with: an open floor plan for entertaining and socializing, oversized chef s kitchens with state of the art appliances, expansive bedrooms and walkin closets, mesmerizing bathrooms, smart home technologies and much more. QUALITY PARTNERS: We are proud to work with the leading industry brands to bring the most innovative and best products to our homes. Every home comes with quality you can rely on so you and your family can create a lifetime of memories. 1
4 THE AKEL APPROACH ENERGY EFFICIENCY: Through the implementation of the newest construction techniques and the use of the highest quality building materials, new homes result in better comfort for your family, and lower utility bills. Save the planet and your wallet. BUILDER WARRANTY & CUSTOMER CARE: Akel Homes participates in the Homebuyers Warranty program. This provides you with a one year workmanship and materials, two year mechanical systems, and ten year structural warranty. The appliances in your home are also warrantied by the manufacturer. On top of this, every home comes with AkelCare, a one year customer satisfaction survey program. LENDER AFFILIATIONS: Over the years, Akel Homes has built relationships with the leading mortgage companies to ensure our customers are provided with the most competitive financing terms available in the market. 2
5 THE SEARCH ASK YOURSELF We recommend that you ask yourself these important questions. 1. What location do you prefer? 2. What type of home attached, detached, single-story or multi-story? 3. What is the profile of the community amenities, schools, shopping and recreation? 4. What type of amenities are important to you? Research the amenities available in each community. Many homes offer swimming pools, clubhouses, parks, trails and playgrounds. 3
6 FINANCING THE MORTGAGE PROCESS There are several types of loans that are available to you when buying a home. FIXED VS. ADJUSTABLE: The two most common types of mortgages are the fixed-rate mortgage and the adjustable-rate mortgage (ARM). Under a fixed-rate mortgage, your interest rate never changes during the life of the loan. On the contrary, an adjustable-rate mortgage utilizes an interest rate that is periodically adjusted over the loan term. For example, changes in the economy can cause your rate to change under an ARM. FIND YOUR LENDER: Research mortgage lenders or one of our builder s preferred lender. CALCULATE YOUR MONTHLY PAYMENT: Different interest rates will affect your monthly payment. 4
7 FINANCING PRE-APPROVAL VS. PRE-QUALIFICATION A mortgage pre-approval is a detailed study of exactly how much you can afford. On the other hand, a mortgage prequalification is just a simple estimate of what you can afford. By obtaining a pre-approval, the lender is signaling that you are ready to purchase your home. As a result, a mortgage preapproval can expedite the purchase of your new home and elevate your status to the homebuilder. SIGN THE PURCHASE AGREEMENT Sign the Purchase Agreement and schedule your Initial Design Consultation and future Design Appointments. Note that your Purchase Agreement will outline design deadlines. 5
8 DESIGN THE DESIGN STUDIO Each community boasts its own Design Studio that is filled with options and upgrades such as colors, finishes, fixtures, cabinets, countertops, flooring and more. Get inspired and visit the Decorator Models and the Design Studio in your preferred community. With the help of our experienced Design Consultants, you will feel that you have created the home of your dreams. 6
9 DESIGN DESIGN STUDIO: FREQUENTLY ASKED QUESTIONS Q: WHAT IS THE DESIGN STUDIO? A: Each community boasts its own Design Studio. All of the personalization upgrades and options available for selection in your preferred community are showcased there. A Design Consultant will assist you in creating a personalized home within your budget. Q: WHAT TO EXPECT DURING MY VISIT? A: A Design Consultant will assist you each step of the way in defining your ideal home, selecting finishes, while working within your budget. The Design Studio appointment(s) is engaging and fun. 7
10 DESIGN DESIGN STUDIO: FREQUENTLY ASKED QUESTIONS Q: WHAT IS THE DESIGN PROCESS? A: The Design Process is broken down into three steps: 1. Prior to the contract signing, all structural options must be finalized. This is done early on to prevent delays in construction. 2. After the Purchase Agreement is signed, the homebuyer will schedule and attend an Orientation Appointment to familiarize them with the selection offerings. 3. A few days after the Orientation Appointment, the homebuyer will attend a First Selection Appointment. If the option selections are not finalized on this date, the homebuyer must schedule and attend a Final Selection Appointment. Review your contact to understand the Design Deadlines! 8
11 DESIGN DESIGN STUDIO: FREQUENTLY ASKED QUESTIONS Q: IS AN APPOINTMENT NECESSARY TO VIEW THE DESIGN STUDIO? A: No. Even before you purchase a home, you can come in and preview the selections during business hours. However, in order to receive personal attention, an appointment is necessary. The Design Process may require several appointments as outlined in your Purchase Agreement. The first appointment may last around 3 to 4 hours as you learn about your preferences and style. Subsequent appointments may be shorter if you are simply finalizing your selections. Q: HOW TO PREPARE FOR YOUR DESIGN STUDIO APPOINTMENT? A: Imagine how you and your family will utilize each room. Next, visit our decorated models and gather inspiration from the option showcased and take a note of them. Bring in any photos to your Design Studio appointment to assist your Design Consultant in understanding your style. Design Studio appointments can take a few hours so make the proper arrangements so that you can focus on the appointment. 9
12 DESIGN DESIGN STUDIO: FREQUENTLY ASKED QUESTIONS Q: HOW MUCH SHOULD I EXPECT TO SPEND ON MY DESIGN OPTIONS? A: This is all up to you! Every homebuyer has a different desired budget. Our Design Consultant will work with you to stay within your desired budget. Q: WHAT CHOICES ARE AVAILABLE TO SELECT FROM? A: The options selections vary by community. Typical selections include cabinets, counter tops, flooring, lightning, appliances, and much more. Some structural options such as floor plan modifications, lanai extensions and pools may be available. Our homes are tailored for your lifestyle. 10
13 DESIGN DESIGN STUDIO: FREQUENTLY ASKED QUESTIONS Q: WHAT BRANDS DOES THE DIESGN STUDIO CARRY? A: Akel partners with a variety of reputable companies such as Moen faucets, Sherwin-Williams paint, General Electric appliances, and Mohawk flooring to list a few. Brands and option offerings may different between communities. Q: CAN I ROLL MY DESIGN OPTIONS INTO MY MORTGAGE? A: In most situations, the answer is yes. As long as you meet your lender s criteria and are able to meet your monthly payments, you can roll your design options into your home loan. 11
14 DESIGN STUDIO CHECKLIST PREPARE FOR DESIGN APPOINTMENT Your appointment will be scheduled at contract signing. Refer to your contract to understand your design deadlines. Allocate up to three hours for your appointment - it will allow us to explore your ideas and make the most of your appointment! Prepare a list of questions - like what are my cabinet upgrade options? FIND YOUR INSPIRATION Visit your preferred community s model home and take pictures of your favorite bath fixtures, cabinets, flooring, counter tops, and so on. Bring pictures of your favorite styles, colors, or specific items to your appointment. IMAGINING YOUR NEW HOME Print out the floor plan of your future home. Consider how you plan to utilize each room and note it on the plan. Bring your camera (or phone). By capturing photos of your favorite finishes - you ll always have a reference to bring back home. All decision-makers are at your appointment. If you and your co-buyer are a team, don t make decisions without the other! Take a note pad with you and expect to take a lot of notes. Schedule daycare for your children or pets - as needed. FOLLOW UP Mark ongoing deadlines on your calendar and ensure that all your design decisions are submitted on time. Variation in finishes is normal, especially with natural materials - giving your home its own unique look and feel. 12
15 THE CLOSING It is time to purchase and close on your new residence. This step involves several moving parts but is fairly straightforward. BEFORE CLOSING In the weeks prior to the closing, we will send a letter with the closing date. Additionally, around this time, your lender will lock in the interest rate on your mortgage. You will need to arrange for residenceowners insurance coverage and provide a copy of your policy. CLOSING COSTS Contact your lender and obtain an estimate of the closing costs. Closing costs are fees associated with closing a real estate transaction. They fall into several categories: LENDER FEES: Costs associated with the lender to close a mortgage loan. TITLE FEES: Fees for the title or closing agent. ESCROW/IMPOUNDS: Money collected to pay for your taxes and insurance. 13
16 THE CLOSING WHAT TO BRING TO CLOSING At closing, you are required to bring your driver s license, passport, or other government issued photo identification. You must also bring a cashier s check in the amount of the funds needed to close the loan. The final amount of funds needed along with the instructions is provided to you by the closing agent. You become the official owner of your new residence once the sales documents and disclosures are signed and the following occurs: NEW RESIDENCE ORIENTATION: Meet with a customer service representative on the day of the closing to ensure that your residence is in working order. Your customer service representative will also discuss our Warranty and how to care for your residence. During the New Residence Orientation, utilize our Inspection Checklist attached in this Guide. REVIEW CLOSING DOCUMENTS: Carefully review the disclosures and ask questions. At closing, verify that all of your information is accurate - these are legal documents! 14
17 THE CLOSING SIGN DOCUMENTS: Review and sign all title and closing documents. Maintain these documents in a easily available location in the future so that you may reference them. HOMEOWNER CARE MANUAL: We created a Homeowner Care Manual that is always accessible on our website. Reference it for tips on how to properly repair and care for the sophisticated features of your residence. PICK UP YOUR KEYS: Visit the sales office to pick up your keys and move into your new residence! 15
18 WELCOME HOME HOME HAS NEVER FELT SWEETER You now own your new home! Now is the time to move in, decorate your home to your liking and build a lifetime of memories. All of the documents you receive should be organized and easily accessible in case you need to reference them. Prior to moving in, refer to our Before Move-In & Move-In Checklist. It will help you remember everything that must be done prior to moving into your new home. After you move in, it is our priority to ensure that your home exceeds your expectations. AkelCare was developed to ensure customer satisfaction. We will contact you after your first, sixth, and twelfth month after you purchase your new home to make sure your needs are taken care of. 16
19 WELCOME HOME BUILDER WARRANTY All of our homes come with the 2-10 Home Buyer Warranty (2-10 HBW), one of the most comprehensive warranty programs in the marketplace. The 2-10 Home Buyers Warranty provides 1 year of workmanship, 2 year of systems, and ten years of structural warranty. The program has covered over 5.5 million new and pre-owned homes, and has a network of more than 10,000 authorized, independent service contractors. They partner with thousands of the nation s finest real estate professionals, home builders and service contractors who consider their coverage the industry s most comprehensive structural and systems. Only the signed Limited Warranty creates any warranty. 17
20 INSPECTION CHECKLIST EXTERIOR: Ensure that the paint, doors, driveway, architectural detailing, windows, and landscaping are sufficient. INTERIOR: Examine the interior features of your home for any damages with painting, grout, fireplace, flooring, doors, tile, mirrors, counter tops, staircases, cabinets, and any additional woodwork. APPLIANCES: All appliances such as range, hood, move, microwave, and dishwasher are properly working. Your customer service representative will explain how to use them. SWITCHES: All switches are in working order. ELECTRICAL: All interior electrical such as light bulbs, TV, and network jacks are in working condition. PLUMBING: All plumbing fixtures such as faucets, toilets, showers, and tubs are properly functioning. Check for any damages and scratches. HEATING VENTILATING & AIR CONDITIONING: Ensure that air conditioning and heaters are properly installed and working. GARAGE DOORS: Observe that the garage doors are installed and functioning. Make sure you received the correct number of garage door openers. 18
21 INSPECTION CHECKLIST NOTES 19
22 BEFORE MOVE-IN CHECKLIST APPLIANCE WARRANTY: Submit warranty information on your new home s appliances BANKS: If necessary, transfer banks. CABLE/SATELLITE: Contact to set up an account DRIVERS LICENSE: If necessary, change your driver s license and vehicle registration FRIENDS & FAMILY: Notify friends and family of your change of address. GAS & ELECTRIC: Contact to set up an account INTERNET PROVIDER: Contact to set up an account LOCAL EMERGENCY NUMBERS: Research local emergency numbers in the area and store them in an accessible place MEDICAL PROFESSIONALS: If necessary, research local doctors, dentists, etc. POST OFFICE: Send a Change of Address notification SERVICE PROVIDERS: Notify all service providers such as domestic help, landscapers, regular delivery services SCHOOL: Contact school to transfer records to new school SUBSCRIPTIONS & MEMBERSHIPS: Change the address of any subscriptions and cancel any membership you have VOTE: If necessary, register to vote in your new location WATER: Contact to set up an account APPLIANCE WARRANTY: Submit warranty information on your home s new appliances 20
23 BEFORE MOVE-IN CHECKLIST APPLIANCES: Understand your appliances and how they work. Also check the fire and smoke alarms. ELECTRICAL & HVAC SYSTEMS: Familiarize yourself with the electrical and mechanical systems of your new home (electric panel, HVAC system, etc) HOME CARE GUIDE: Review the home care guide and structural warranty information provided to you at closing PROTECT FLOORING: Before the movers unload, protect flooring, corners and other locations with padding and carpet protectors WATER: Test the faucets and if necessary make any desired adjusements to the settings of the water heater 21
24 DISCOVER MORE AKELHOMES.COM CONNECT WITH US! facebook.com/akelhomes twitter.com/akelhomes instagram.com/akelhomes linkedin.com/akelhomes 2017 AKEL HOMES, LLC. ALL RIGHTS RESERVED.
START LIVING HOMEBUYER KIT CONGRATULATIONS!
START LIVING HOMEBUYER KIT CONGRATULATIONS! You have decided to start the process of buying a new home. Whether you are a first-time buyer or you have already owned several homes, we understand the process
More informationNew construction homebuyer guide. Buy with confidence. Brought to you by: Page 1 of 8
New construction homebuyer guide Buy with confidence Brought to you by: Page 1 of 8 Buying a newly built home? It can be exciting. There s nothing quite like the experience of settling into a home that
More informationOur best to you and your family, Mike Moody President
Congratulations on the purchase of your new home. Newmark Homes is dedicated to building homes of exceptional quality and providing customers with unparalleled service. We take this commitment seriously.
More informationOff to College? First Apartment? First House? Not So Fast!
Home Sweet Home Off to College? First Apartment? First House? Not So Fast! 1. Do you know how to open a bank account? Yes No 2. Do you know how to balance a checkbook? Yes No 3. Do you know how to get
More informationBUYING YOUR FIRST HOME IN CANADA. What Newcomers Need to Know
BUYING YOUR FIRST HOME IN CANADA What Newcomers Need to Know A PLACE TO CALL HOME. A PLACE OF YOUR OWN. You ve made Canada your new home and now you re looking for a place of your own. Buying a house is
More informationThe steps to homeownership
Personal Banking Personal Banking Mortgage Mortgage The steps to homeownership A guide for first-time homebuyers Getting started. When you choose BMO Harris Bank for your mortgage, you ll get the resources
More informationHOMEownership NMLS ID A step by step guide to help you on your journey to homeownership!
T H E R O A D T O HOMEownership NMLS ID 629700 A step by step guide to help you on your journey to homeownership! FIRST COMMUNITY MORTGAGE Table of Contents We understand that a lot of important decisions
More informationWhy rent when you can own FOR LESS?
Why rent when you can own FOR LESS? Catalina Townhomes 2740 Dutton Meadow, Santa Rosa, CA 95407 www.catalinatownhomes.com Rents have climbed 30% over the past three years in Sonoma County*. Imagine owning
More informationBUYING YOUR FIRST HOME
BUYING YOUR FIRST HOME Finding the home of your dreams is the tough part, the mortgage process shouldn t be. That s why we ve created a guide to make your first-time home buying experience easier. This
More informationFirst Time Home Buying Steps
Buying a home is one of the biggest emotional and financial decisions you'll ever make in your life time. The differences between renting and buying a home are huge, and there are numbers of pros and cons
More informationSection 02 Loans & Expenses. Unit 03 Buying a Home. Overview. Goal. Time Frame. Be it ever so humble, there s no place like home.
Section 02 Loans & Expenses 02.03. Unit 03 Buying a Home Be it ever so humble, there s no place like home. John Howard Payne Overview Home ownership isn't for everyone. With all the financing, closing
More informationto Renovation Financing
YOUR GUIDE to Renovation Financing IT S MORE THAN A MORTGAGE It Can Be Your Custom Home If you re shopping for a home, you likely have a wish list and with each house you enter, you re wondering if you
More informationFinding Buying Financing A HOME. Nothing Means More Than Having Your Own Front Door
T H E C O M P R E H E N S I V E G U I D E T O Finding Buying Financing A HOME Nothing Means More Than Having Your Own Front Door Y O U R J O U R N E Y T O Home Sweet Home Purchasing a home is an emotional
More informationCELIA MENDIVIL PRIMAVERA FOUNDATION FEB. 28, Renting versus Buying Finding the Right Place To Live Budgeting and Your Finances
CELIA MENDIVIL PRIMAVERA FOUNDATION FEB. 28, 2011 Renting versus Buying Finding the Right Place To Live Budgeting and Your Finances Renting vs. Buying If you are looking for a new home, your first decision
More informationNMLS ID #2239. (www.nmlsconsumeraccess.org)
NMLS ID #2239 (www.nmlsconsumeraccess.org) Get Ready to Move! Congratulations!! You have just purchased a home! If the agreement states you immediately take possession of your home, you will receive keys
More informationFinding your. home. of choice. A comprehensive workbook to help you on your journey to homeownership! FCM NMLS #629700
Finding your home of choice. A comprehensive workbook to help you on your journey to homeownership! FCM NMLS #629700 We understand that a lot of important decisions come with buying a home. At FCM, we
More informationCatalina Self-Help Townhomes
Floor Plans Catalina Self-Help Townhomes 2740 Dutton Meadow, Santa Rosa, CA 95407 www.catalinatownhomes.com Plan B Plan A 60 NEW ENERGY EFFICIENT AFFORDABLE HOMES 1,312-1,400 SQ. FT. 3 BEDROOM 2 BATH 3
More informationBuilding a Custom Home. What you need to know about custom construction financing.
Building a Custom Home What you need to know about custom construction financing. Building a Custom Home What you need to know about custom construction financing. Congratulations! You ve been thinking
More informationSimple Steps to Building Your New 7Home in Indianapolis
Simple Steps to Building Your New 7Home in Indianapolis TABLE OF CONTENTS 3 4 5 7 8 10 12 13 14 Introduction Step #1 Planning Step #2 Choosing A Builder Step #3 Designing Step #4 Financing Step #5 Building
More informationYour Home Should Be YOUR WAY. That s the FAIR WAY! A Renovation Guide Made Simple
Your Home Should Be YOUR WAY That s the FAIR WAY! A Renovation Guide Made Simple Table of Contents The Renovation Loan: A Solution to a Problem... 3 Options for Renovation... 4 10 FHA 203k Standard FHA
More informationHOME BUYER GUIDE. How do I get preapproved? How are interest rates determined? What documents are required?
HOME BUYER GUIDE How do I get started? What is the timeline? What documents are required? How do I get preapproved? How are interest rates determined? The Home Buyer Guide provides you with helpful information
More informationStep 1: Decide to Buy
Step 1: Decide to Buy Do you really want to pay someone else's mortgage? If you re renting and have a stable job with some savings, and a credit score in the high 600 range, you can likely qualify for
More informationOne loan to renovate. Your homebuyer guide to renovation
One loan to renovate Your homebuyer guide to renovation Maybe you ve found the perfect location, but the house needs improving. Maybe staying in your current (but outdated) home is what s important. Either
More informationSpecially prepared for: Client Name
Specially prepared for: Client Name CONGRATULATIONS Buying a home is one of the biggest investments and financial decisions you can make. While it is a major commitment and responsibility, it is also
More informationKeller Williams Realty is ranked Highest Overall Satisfaction For Home Buyers Among National Full Service Real Estate Firms, Two Years in a Row!
Keller Williams Realty is ranked Highest Overall Satisfaction For Home Buyers Among National Full Service Real Estate Firms, Two Years in a Row! Keller Williams Realty received the highest numerical score
More informationSHINGLE CREEK RESERVE II PLAN 1719 HOME HIGHLIGHTS EXTERIOR OPTIONS. Hours: Monday Sunday 10am 6pm
SHINGLE CREEK RESERVE II 3033 Boating Boulevard Kissimmee, FL 34746 Phone (407) 483 8903 Hours: Monday Sunday 10am 6pm Priced from $192,990 $249,990 Amenities include access to Lake Toho for boating, kayaking
More informationHIGH VALUE DWELLING INSPECTIONS
INFORMATION PROVIDERS, INC. HIGH VALUE DWELLING INSPECTIONS The most comprehensive personal lines inspection you will be asked to complete is a high value dwelling report. This inspection is normally ordered
More informationTips for First-Time Homebuyers
Tips for First-Time Homebuyers If you re just beginning the process of financing your first home, you might be unsure of all the costs or the decisions you ll have to make eventually. Months before applying
More informationReady to take the next step? Owning a home step by step. Talk to your Scotiabank Mortgage Specialist. Move into affordable homeownership.
Ready to take the next step? Owning a home step by step Talk to your Scotiabank Mortgage Specialist. Move into affordable homeownership. For answers to all of your homeownership questions, connect with
More information2 BHK at Avida Towers Centera
2 BHK at Avida Towers Centera Listing details Common Title: Property for: Price: 5,548,800 Bedrooms: 2 Bathrooms: 2 Square Meters: Parking: 2 BHK at Avida Towers Centera Sale 56 SQM Yes Additional information
More informationREPLACEMENT RESERVE GUIDE
CANADA MORTGAGE AND HOUSING CORPORATION REPLACEMENT RESERVE GUIDE What is the Replacement Reserve? The replacement reserve is a fund kept by each housing sponsor under the terms of its operating agreement
More informationCharles Burt s. Home Buyers Guide
Charles Burt s Home Buyers Guide Table of Contents The Home-Buying Process Quick Tips How can a Charles Burt agent help me? What is a broker? The Mortgage Process What are the advantages of pre-approval?
More informationAllow nature to be your guide and select from among more than 2000 acres of our magnificent mountain properties. Chinquapin was designed to maintain
Allow nature to be your guide and select from among more than 2000 acres of our magnificent mountain properties. Chinquapin was designed to maintain its pristine, natural feel for years to come, which
More informationHome Warranty Insurance in British Columbia
Home Warranty Insurance in British Columbia WHAT YOU NEED TO KNOW TO PROTECT YOUR INVESTMENT Understanding Home Warranty... 1 Coverage Expiry Dates... 2 Know What s Covered... 4 Buying a Resale Home...
More information"We Love We Live! Let us help you love where you Live."
"We Love We Live! Let us help you love where you Live." "We Love We Live! Let us help you Love where you Live." Your Real Estate Connection! Our Offices: 7 Skyline Drive Suite 350 Hawthorne, N.Y. 10532
More informationBuying Your First Home
Buying Your First Home Buying your first home can be a thrilling experience. For most people, it is the most expensive purchase they've ever made. In addition, it also may be one of the most complex. The
More informationFirst-Time Homebuyer TOOL KIT. copfcu.com/mortgage. Queensgate (513) Colerain (513) Reading (513)
First-Time Homebuyer TOOL KIT copfcu.com/mortgage Queensgate (513) 381-2677 Colerain (513) 385-4808 Reading (513) 948-1234 Equal Housing Lending. COPFCU NMLS#: 399934 There s never been a better time to
More informationWelcome Home. The living is easy at Bayshore Dunes!
Welcome Home www.bayshoredunes.com The living is easy at Bayshore Dunes! Welcome to your new backyard! Welcome Home to Bayshore Dunes www.bayshoredunes.com Areas of Interest Direct Private Beach Access
More informationbuying your First Home
buying your First Home A step-by-step guide to the home buying process buying your First Home Although the experience of owning your first home can be fulfilling and exciting, the actual financing and
More informationReserve Fund Study My Condominium Plan
Reserve Fund Study My Condominium Plan 12 3456 Number of Units 36 Number of Buildings 1 Building Construction 21 Contact Ima Happy Position(s) President Contact Phone 43.555.4321 Report Date August 8,
More informationBuy a home, plus make improvements, with just one loan
Homebuyer guide to a mortgage with built-in renovation financing Buy a home, plus make improvements, with just one loan Learn how Are you thinking of buying a home that needs work? Well Fargo is here to
More informationGENERAL FINANCING QUESTIONS
GENERAL FINANCING QUESTIONS 1. What is a Mortgage? Tips for Homebuyers Generally speaking, a mortgage is a loan obtained to purchase real estate. The "mortgage" itself is a lien (a legal claim) on the
More informationDISASTER RELIEF : INSURANCE RECOVERY
DISASTER RELIEF : INSURANCE RECOVERY In the wake of the 2017 wildfires in the Northbay of Northern California, Asquared Studios has pulled together some research on wildfire rebuilding information. We
More informationBuying a home is one of life s most exciting adventures.
GETTING STARTED Buying a home is one of life s most exciting adventures. Being a homeowner gives you the opportunity to put down roots, become part of a community, and build your wealth for the future.
More informationQuality Built Custom Homes Now Pre-Selling New Homes from the $250's
Quality Built Custom Homes Now Pre-Selling New Homes from the $250's On-Site Agent Dominic Bamford 678-408-0085 dominic@bamfordandcompany.com www.bamfordandcompany.com Dominic Bamford 678-753-6050 info@bamfordandcompany.com
More informationHomebuyer Handbook. (nmlsconsumeraccess.org) Sharon Wilson Mortgage Loan Officer NMLS #791879
Homebuyer Handbook Sharon Wilson Mortgage Loan Officer NMLS #791879 804-997-4245 swilson@chesterfieldfcu.net www.chesterfieldfcu.net NMLS #688795 (nmlsconsumeraccess.org) Information deemed reliable but
More informationBerkshire Hathaway HomeServices. California Properties
Berkshire Hathaway HomeServices California Properties COMMITMENT OF SERVICE Of I understand that buying a home is a major decision for you that can be filled with apprehension and concern. My job is to
More informationWhy Flagstar Bank When Buying a Home?
Section I Why Flagstar Bank When Buying a Home? Section I Est. 1987 Member FDIC Page 1 We ll walk you through each stage of the home-buying process. Buying a home is a big decision. Is it the right time?
More informationThe answer s yes your indispensable guide to securing a mortgage
The answer s yes your indispensable guide to securing a mortgage Hello from HOOCHT These days, life moves faster than ever. To keep pace with it, we re used to doing everything at lightning speed, with
More informationHOMEPATH BUYERS GUIDE
HOMEPATH BUYERS GUIDE WWW.HOMEPATH.COM Buyers Guide Buyers Guide For a Fannie Mae-owned Home Whether you re buying your first home or your fifth, the experience can be exciting, confusing, overwhelming
More informationFHA Renovation Loan Program, or 203K
FHA Renovation Loan Program, or 203K The Federal Housing Administration (FHA), which is part of the Department of Housing and Urban Development (HUD), administers various single family mortgage insurance
More informationREQUEST FOR CERTIFICATION FOR ACCESSABLE HOME TAX CREDIT SECTION 1: Taxpayer and Property Identification
REQUEST FOR CERTIFICATION FOR ACCESSABLE HOME TAX CREDIT SECTION 1: Taxpayer and Property Identification Name: Last 4 digits of SSN: XXX-XX- Mailing Address: *Physical Address: City: State: Zip: Daytime
More informationRenovating and Rebuilding America - One Home at a Time. FHA 203(K) Renovation Lending Product Information
FHA 203(K) Product Information 1 Program Summary The FHA 203(k) The FHA 203(k) loan allows a borrower to purchase or refinance and repair or renovate a property all in one loan. The borrower closes with
More informationBENJAMIN RYAN COMMUNITIES, LLC FURTHER TERMS AND CONDITIONS ADDENDUM A. Addendum to New Home Purchase and Sale Agreement
Page 1 of 5 BENJAMIN RYAN COMMUNITIES, LLC FURTHER TERMS AND CONDITIONS ADDENDUM A Addendum to New Home Purchase and Sale Agreement THIS ADDENDUM IS ATTACHED TO AND MADE A PART OF the certain Real Estate
More informationUMB Mortgage Solutions. Home Buying 101
UMB Mortgage Solutions Home Buying 101 1 Agenda Are You Ready to Buy a Home? Selecting a Lender Mortgage Loans Getting Started Home Checklist Purchase Contract Questions 2 Home buying Terms Mortgage Lender
More informationFIRST HOME BUYERS HANDBOOK SUPPORTING YOU THROUGH EVERY STEP
FIRST HOME BUYERS HANDBOOK SUPPORTING YOU THROUGH EVERY STEP BACKING YOU EVERY STEP OF THE WAY With ANZ, you don t just get a home loan. You get a coach who ll support you through the home-buying process
More informationThis saves borrowers thousands of dollars out of pocket.
A 203(k) loan is a loan that allows the borrower to purchase or refinance a home and include in the loan the costs to do repairs, upgrades and remodeling of the home. This saves borrowers thousands of
More informationFTC FACTS for Consumers. Home Sweet Home... Improvement FEDERAL TRADE COMMISSION FOR THE CONSUMER. ftc.gov FTC-HELP
FTC FACTS for Consumers Home Sweet Home... Improvement FEDERAL TRADE COMMISSION 1-877-FTC-HELP ftc.gov FOR THE CONSUMER hether you re planning W an addition for a growing family or simply getting new storm
More informationYour Home Buying Dreams are Within Reach
Welcome Your Home Buying Dreams are Within Reach Few things in life compare with the pride and satisfaction you get from owning your own home. Whether you re a first-time buyer, moving up or downsizing,
More informationLuminus Financial s. Home Hunting Guide
Luminus Financial s Home Hunting Guide About Luminus Financial Who are we? Luminus Financial is a credit union, which means we care about people. We re a full service financial institution, with exceptional
More informationCongratulations, you have made the big decision to buy a home. Now what? There are many questions you will need to ask yourself before moving ahead:
Buyers Congratulations, you have made the big decision to buy a home. Now what? There are many questions you will need to ask yourself before moving ahead: BEFORE YOU BUY 1. Decide where you want to live.
More informationFalconbridge Homeowners Association (FHA) Clubhouse Rental Contract
The Falconbridge Community Clubhouse at 6400 Falconbridge Road, Chapel Hill, NC 27517 is available for rental by adult residents of Falconbridge for private events. Amenities include dinnerware for 80,
More information7 and selling of a home?
Who s Involved In the BuyIng 7 and selling of a home? chapter When you re ready to make the move to homeownership, you ll work with several business professionals. It s important to understand what they
More informationNCAHMA Spring Underwriting Forum April 7-8, 2010 Physical Needs Assessments
NCAHMA Spring Underwriting Forum April 7-8, 2010 Physical Needs Assessments 1. What is a CNA? Presentation by: Thomas E. Fielder Phone: 859-276-0000 / tfielder@fieldergroup.com a) Comprehensive review
More informationA SOUTH DAKOTAN S GUIDE TO BUYING YOUR FIRST HOME VOLUME 1: FINANCING
A SOUTH DAKOTAN S GUIDE TO BUYING YOUR FIRST HOME VOLUME 1: FINANCING TABLE OF CONTENTS 3 INTRODUCTION 4-7 HOW MUCH CAN I AFFORD? 4 Establishing your budget 5 Comparing renting vs. owning 6 Deciding on
More informationHOME BUYING MADE EASY
HOME BUYING MADE EASY Know what you need to get it right. Brought to you by: PNC Mortgage Loan Officer NMLS# HOME BUYING MADE EASY PNC, PNC HomeHQ, PNC Home Insight
More informationBUILDING PERMIT RESIDENTIAL BASEMENT FINISH
BUILDING PERMIT RESIDENTIAL BASEMENT FINISH DOCUMENTS YOU WILL NEED 1. Building Permit Residential Basement Finish Package 2. Contractors copy of state and business license ADDITIONAL FORMS YOU MAY NEED
More informationBuying a home. A guide to help you get started.
Buying a home. A guide to help you get started. Welcome! It looks like you re interested in buying a home. Whether you re purchasing your first home or next, or perhaps you are interested in an income
More informationA Place to Rent. 1/3 of people in the United States Single people, young married couples, and older adults Mobile lifestyles
Obtaining Housing A Place to Rent 1/3 of people in the United States Single people, young married couples, and older adults Mobile lifestyles Security Deposit A payment that ensures the owner against financial
More informationFirst Time Home Buyer Guide. Are you ready to learn the steps to homeownership?
First Time Home Buyer Guide Are you ready to learn the steps to homeownership? Is this your first time going through the home buying process? If so, don t worry, this guide is designed to answer any questions
More informationCITY OF FORT PIERCE BUILDING DEPARTMENT
CITY OF FORT PIERCE BUILDING DEPARTMENT APPLICATION FOR DETERMINATION OF SUBSTANTIAL IMPROVEMENT This is a request for determination by the City s Floodplain Administrator as to whether or not the project
More informationHOMEBUYER S GUIDE WE RE ALL ABOUT THAT NEW HOME SMELL
FIRST-TIME HOMEBUYER S GUIDE WE RE ALL ABOUT THAT NEW HOME SMELL THE SCENT OF FRESH PAINT WITH A HINT OF EQUITY & A DASH OF ACCOMPLISHMENT Anthony Rael REALTOR RE/MAX ALLIANCE 303.520.3179 Tiffany L Swisher
More informationWhat Every Homeowner Should Know About Condo Insurance
What Every Homeowner Should Know About Condo Insurance A portion of your association dues is used to pay the insurance premium of the homeowners association master insurance policy. This coverage insures
More informationSubject: Capital Reserve Expenditure Guidelines. *incl. former OCHAP/CSHP Peel Access to Housing (PATH)
HIP Housing In Peel Subject: Capital Reserve Expenditure Guidelines Date: August 1, 2012 Applicable To The information contained in this document applies to the following: Municipal & Private Non- Federal
More informationYOUR AMERICAN DREAM STARTS WITH A VA HOME LOAN
YOUR AMERICAN DREAM STARTS WITH A VA HOME LOAN A VA LOAN GUIDE TO HOME BUYING Buying your first home is a very important step (& investment) in life, and you probably have a few questions. No worries!
More informationHOME BUYERS GUIDE: Financing a New Home Top 10 Things to Know
Top 10 Things to Know Home Buyers Guide: Top 10 Things to Know Whether you re just dipping your toe into the real estate waters for the first time, or you ve been snooping around MLS for years, first-time
More informationThe student will explain and compare the responsibilities of renting versus buying a home.
LESSON 10.3: RENTING VERSUS BUYING Buying a House Standard 10 The student will explain and compare the responsibilities of renting versus buying a home. Lesson Objectives Discuss the reasons that people
More informationWhat did they tell me?
LBS Insurance Commission Oct 25, 2018 What did they tell me? Handouts from the October 25, 2018 Insurance Town Hall C R. Reynolds 1 High Level Recap of Changes for 2018-19 Deductible $5,000 -> $25,000
More informationONE-TIME CLOSE CONSTRUCTION LOAN INFORMATION PACKET
ONE-TIME CLOSE CONSTRUCTION LOAN INFORMATION PACKET At AmeriFirst we are committed to providing you with all the information you need regarding your construction loan. This guide will walk you through
More informationHOME BUYER S CHECKLIST
HOME BUYER S CHECKLIST 1) Make sure you re (really) ready. You have a stable job. You can see yourself living in the same town for the next five to ten years. You re prepared for the extra work that comes
More informationEquipment Breakdown from Prepared Insurance Homeowners
Equipment Breakdown from Prepared Insurance Homeowners Exposures Clothes Washers and Dryers Prepared Insurance is pleased to offer an alternative to home warranty plans. Equipment Breakdown coverage is
More informationDIY Homebuilders Guide
DIY Homebuilders Guide Your home, your way! Building your own home, to your own tastes in a place you ve dreamed of is a project that s exciting and demanding. Step 1 - Planning...3 Step 2 - Financing...7
More informationHomeowner Benefits and Responsibilities
Homeowner Benefits and Responsibilities Introduction Homeowner Benefits and Responsibilities Benefits of Homeownership Responsibilities of Homeownership Refinancing and Home Equity Preventing Foreclosure
More informationFinancial Aspects of Strategic Planning. October 12, 2012
Financial Aspects of Strategic Planning October 12, 2012 COOPERATIVE FINANCIAL PLANNING All decisions center on the Full time consideration Decisions center on the financial position of the Cooperative
More informationRESERVESTUDYUPDATE. The Villas at Blackberry Run Dallas, GA. Prepared for:
RESERVESTUDYUPDATE Dallas, GA Prepared for: THE VILLAS AT BLACKBERRY RUN HOME OWNERS ASSOCIATION, INC. Carl Swanson-President Prepared by: CRITERIUM-CARUSO ENGINEERS 1065 POWERS PLACE, SUITE B ALPHARETTA,
More informationSENECA ROAD THE HAWTHORNE 938 SENECA ROAD, GREAT FALLS, VA Langley High School District
SENECA ROAD THE HAWTHORNE 938 SENECA ROAD, GREAT FALLS, VA 22066 Pre-Construction Opportunity Over an Acre Lot Chef Kitchen with Stainless Steel Appliances Hardwood Flooring Morning Room 2x6 Construction
More informationRehab Financing The FHA Streamline 203(k) Program
The FHA Streamline 203(k) Program A Guide to Financing Your Home Improvement Project The Program: This is a new 1 st mortgage program sponsored by the FHA and designed to provide homeowners with low-cost
More informationPRE-CLOSING EDUCATION
(Agency s Name & Logo) PRE-CLOSING EDUCATION Welcome Future Homeowners Sponsored By 1 Moving Forward: Connecticut Homebuyers Guide 1 st Edition Published by Connecticut Fair Housing Center 2 Learning Your
More informationOFFER Homebuyers road map
OFFER Homebuyers Road Map Navigating with a REALTOR Your REALTOR can help you: REALTORS are experienced in everything you need to know and do when buying a home. Navigate the home buying process and paperwork
More informationReserve Analysis Report
Reserve Analysis Report Parkway Towers 1155 Ash St Denver, CO 80220 Level I Study with Site Inspection Fiscal Year End Date: 12/31/2014 8597 Via Mallorca Suite E La Jolla, CA 92037 Phone: 858-764-1895
More informationSubject Property Not in Perfect Condition? Know All the Renovation Financing Options! 9/7/2016. Back in the old days
Subject Property Not in Perfect Condition? Know All the Renovation Financing Options! Back in the old days Homebuyers had difficulty finding workable financing options for home repairs, renovations and
More informationHome Renovations GET WRITTEN ESTIMATES. A written estimate should include: The project start and completion dates. Itemized costs and the total price
This publication is intended to provide general information only and is not a substitute for legal advice. HIGHLIGHTS 1 GET WRITTEN ESTIMATES 2 CHECK REFERENCES 2 WARNING FLAGS 2 HIRE QUALIFIED TRADES
More informationHOME BUYING MADE EASY. Know what you need to get it right.
HOME BUYING MADE EASY Know what you need to get it right. HOME BUYING MADE EASY PNC, PNC HomeHQ, PNC Home Insight and Home Insight are registered service marks of The PNC Financial Services Group, Inc.
More informationClosing with Confidence. Your Roadmap from Application to Closing
Closing with Confidence Your Roadmap from Application to Closing YOUR ROADMAP FROM APPLICATION TO CLOSING 1 Start to Finish: Your Journey from Application to Closing Your Milestones Preparing ONE: Planning
More informationYour guide to insurance
Your guide to insurance Helping you to find the right cover. This guide provides an overview of the different types of insurance product available throughanhyde This guide provides over Associates Ltd,
More informationMODULE 13: Buying a Home INSTRUCTOR GUIDE
MODULE 13: Buying a Home MONEY SMART for Adults SEPTEMBER 2018 The Federal Deposit Insurance Corporation is an independent agency created by the Congress to maintain stability and public confidence in
More informationFishers View Residential Rental Portfolio New Construction Attached Homes
Fishers View Residential Rental Portfolio New Construction Attached Homes 24 Attached Single Family Units Including 7 Duplexes, Two 3-Plexes, and One 4-Plex Currently Under Construction John Blom Broker
More informationLow down payment option; qualify with as little as 3.5% down
Not every home is move-in ready. The FHA 203(k) Renovation Loan allows you to broaden your home shopping horizons and create the home you want from the start. The FHA 203(k) Renovation Loan combines the
More informationBUILD BUY RENOVATE. Your guide to understanding and financing your new home
BUILD BUY RENOVATE Your guide to understanding and financing your new home TURNERR@FNB-CORP.COM Table of Contents Your Dreams become reality 3 Overview 3 Why Construction / Renovation Permanent 4 Financing
More informationPreliminary. Financing Concerns
Congratulations! Buying a home is one of the biggest investments and financial decisions you can make While it is a major commitment and responsibility, it is also a very exciting time in your life I'm
More information