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TGR Realtor

TGR Realtor

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A Note About

Probation.

A Note About

Probation.

  •    First-Time Home Buyer Tips

    Take Advantage of our Tools and Resources, they will help you on your home buying or selling needs. Don't forget to contact us if you have any questions about any property on our listing page.

     

    1. Be picky, but don't be unrealistic. There is no perfect home.
    2. Do your homework before you start looking: Decide specially what features you want in a home and which are most important.
    3. Get your finances in order. Be sure you have enough money to cover your down-payment and your closing costs.
    4. Don't ask too many people for options. It will drive your crazy! Select one or two people to turn to if you feel you need a second opinion.
    5. Decide when you could move. When is your lease up? Are you allowed to sublet? How tight is the rental market in your area?
    6. Think long-term. Are you looking for a starter home with the idea of moving up in a few years or do you hope to say in this home longer? This decision may dictate what type of home you'll buy as well as the type of mortgage terms that suit you best.
    7. Don't let yourself be "house poor". If you max yourself out to buy the biggest home you can afford, you’ll have no money left for maintenance or decorate or to save money for other financial goals.
    8. Don't be naive. Insist on a home inspection and, if possible, get a warranty from the seller to cover defects within one year.
    9. Get help. Consider hiring a Realtor, a Realtor can assist you in finding the right lender for your needs.
  •    Ways to Make Your Home More Saleable

    Take Advantage of our Tools and Resources, they will help you on your home buying or selling needs. Don't forget to contact us if you have any questions about any property on our listing page.

     

    1. Get rid of clutter. Throw out or file stacks of newspapers and magazines. Pack away most of your small decorative items. Store out-of-season clothing to make closets seem roomier. Clean out the garage.
    2. Windows. Wash your windows and screens to let more light into the interior.
    3. Keep everything extra clean. Wash fingerprints from light switch plates. Mop and wax floors. Clean the stove and refrigerator. A clean house makes a better first impression and convinces buyers that the home has been well cared for.
    4. Get rid of smells. Clean carpeting and drapes to eliminate cooking odors, smoke, and pet smells. Open the windows.
    5. Light bulbs. Put higher wattage bulbs in light sockets to make rooms seem brighter, especially basements and other dark rooms. Replace any burnt-out bulbs.
    6. Minor repairs. Make minor repairs that can create a bad impression. Small problems, such as sticky doors, torn screens, cracked caulking, or a dripping faucet, may seem trivial, but they’ll give buyers the impression that the house isn’t well maintained.
    7. Tidy your yard. Cut the grass, rake the leaves, trim the bushes, and edge the walks. Put a pot or two of bright flowers near the entryway.
    8. Patch holes. Patch holes in your driveway and reapply sealant, if applicable.
    9. Gutters. Clean your gutters.
  •   Reasons You Need a REALTOR.

    Take Advantage of our Tools and Resources, they will help you on your home buying or selling needs. Don't forget to contact us if you have any questions about any property on our listing page.

     

    1. Real Estate transaction. There is no perfect home
    2. Selling or buying a home. Decide specially what features you want in a home and which are most important to you.
    3. Real Estate has its own language. Be sure you have enough money to cover your down-payment and your closing costs.
    4. Realtors have done it before. REALTORS have done it before. Most people buy and sell only a few homes in a lifetime, usually with quite a few years in between each purchase. And even if you’ve done it before, laws and regulations change. That’s why having an expert on your side is critical.
    5. Realtors provides objectivity. REALTORS provide objectivity, since a home often symbolizes family, rest, and security, not just four walls and roof, home selling or buying is often a very emotional undertaking. And for most people, a home is the biggest purchase they’ll ever make. Having a concerned, but objective, third party helps you keep focused on both the business and emotional issues most important to you.
    6. National Association of realtors. REALTORS provide objectivity, since a home often symbolizes family, rest, and security, not just four walls and roof, home selling or buying is often a very emotional undertaking. And for most people, a home is the biggest purchase they’ll ever make. Having a concerned, but objective, third party helps you keep focused on both the business and emotional issues most important to you.
  •   5 Things to Understand About Title Insures

    Take Advantage of our Tools and Resources, they will help you on your home buying or selling needs. Don't forget to contact us if you have any questions about any property on our listing page.

     

    1. Protect your ownership. There is no perfect home
    2. Property Price. Decide specially what features you want in a home and which are most important to you.
    3. Paid for by sellers. Be sure you have enough money to cover your down-payment and your closing costs.
    4. Lender title polices. It will drive you crazy . Select one or two people to turn to if you feel you need a second opinion.
    5. Premiums. When is your lease up? Are you allowed to sublet? How tight is the rental market in your area?
  •   5 Things to do Before You Sell

    Take Advantage of our Tools and Resources, they will help you on your home buying or selling needs. Don't forget to contact us if you have any questions about any property on our listing page.

     

    1. Get estimates. Get estimates from a reliable repair person on items that need to be replaced soon, such as a roof or worn carpeting, for example. In this way, buyers will have a better sense of how much these needed repairs will affect their costs.
    2. Termite Inspection. Have a termite inspection to prove to buyers that the property is not infested.
    3. Home Inspection. Get a pre-sale home inspection so you’ll be able to make repairs before buyers become concerned and cancel a contract.
    4. Warranties and guarantees. Gather together warranties and guarantees on the furnace, appliances, and other items that will remain with the house.
    5. Disclosures. Fill out a disclosure form provided by your sales associate. Take the time to be sure that you don’t forget problems, however minor, that might create liability for you after the sale.
  •   5 Factors that Decide Your Credit Score

    Take Advantage of our Tools and Resources, they will help you on your home buying or selling needs. Don't forget to contact us if you have any questions about any property on our listing page.

     

    1. Payment history. Your payment history. Whether you paid credit card obligations on time.
    2. How much you owe. Owing a great deal of money on numerous accounts can indicate that you are over extended.
    3. Length of credit history. The length of your credit history. In general, the longer the better.
    4. New credit. How much new credit you have. New credit, either instalment payments or new credit cards, are considered more risky, even if you pay promptly.
    5. Types of credit. The types of credit you use. Generally, it’s desirable to have more than one type of credit, instalment loans, credit cards, and a mortgage, for example.
  •   5 Ways to Speed up Your Sale

    Take Advantage of our Tools and Resources, they will help you on your home buying or selling needs. Don't forget to contact us if you have any questions about any property on our listing page.

     

    1. Price it right. Set a price at the lower end of your property’s realistic price range.
    2. Market ready. Get your house market-ready for at least two weeks before you begin showing it.
    3. Be flexible about showings. It’s often disruptive to have a house ready to show on the spur of the moment, but the more often someone can see your home, the sooner you’ll find a buyer.
    4. Be ready for the offers. Decide in advance what price and terms you’ll find acceptable.
    5. Don't refuse to drop the price. Don’t refuse to drop the price. If your home has been on the market for more than 30 days without an offer, be prepared to lower your asking price.
  •   7 Reasons to Own Your Own Home

    Take Advantage of our Tools and Resources, they will help you on your home buying or selling needs. Don't forget to contact us if you have any questions about any property on our listing page.

     

    1.  Tax breaks. The U.S. Tax Code lets you deduct the interest you pay on your mortgage, property taxes you pay, and some of the costs involved in buying your home.
    2. Gains. Between 1998 and 2002, national home prices increased at an average of 5.4 percent annually. And while there’s no guarantee of appreciation, a 2001 study by the NATIONAL ASSOCIATION OF REALTORS® found that a typical homeowner has approximately $50,000 of unrealized gain in a home.
    3. Equity. Money paid for rent is money that you will never see again, but mortgage payments let you build equity ownership interest in your home.
    4. Savings. Building equity in your home is a ready-made savings plan. And when you sell, you can generally take up to $250,000 ($500,000 for a married couple) as gain without owing any federal income tax.
    5. Predictability. Unlike rent, your mortgage payments don’t go up over the years so your housing costs may actually decline as you own the home longer. However, keep in mind that property taxes and insurance costs will rise.
    6. Freedom. The home is yours. You can decorate any way you want and be able to benefit from your investment for as long as you own the home.
    7. Stability. Remaining in one neighborhood for several years gives you a chance to participate in community activities, lets you and your family establish lasting friendships, and offers your children the benefit of educational continuity.
  •   Common Closing Cost for Buyers.

    The lender must disclose a good faith estimate of all settlement costs. A check to cover your closing costs will probably have to be a cashier’s check. The title company or other entity conducting the closing will tell you the required amount for:

    1. Be picky, but don't be unrealistic.
    2. Down Payment.
    3. Loan origination fees.
    4. Points, or loan discount fees, you pay to receive a lower interest rate.
    5. Appraisal fee.
    6. Credit report.
    7. Private mortgage insurance premium.
    8. Insurance escrow for homeowners insurance, if being paid as part of the mortgage
    9. Property tax escrow, if being paid as part of the mortgage. Lenders keep funds for taxes and insurance in escrow accounts as they are paid with the mortgage, then pay the insurance or taxes for you.
    10. Deed recording fees.
    11. Title insurance policy premiums.
    12. Survey.
    13. Inspection fees, building inspection, termites, etc.
    14.  Notary fees.
    15.  Proration for your share of costs, such as utility bills and property taxes.

Because such costs are usually paid on either a monthly or yearly basis, you might have to pay a bill for services used by the sellers before they moved. Proration is a way for the sellers to pay you back or for you to pay them for bills they may have paid in advance. For example, the gas company usually sends a bill each month for the gas used during the previous month. But assume you buy the home on the 6th of the month. You would owe the gas company for only the days from the 6th to the end for the month. The seller would owe for the first five days. The bill would be prorated for the number of days in the month, and then each person would be responsible for the days of his or her ownership.

ABOUT  |  PROPERTY SEARCH   |  TOOLS  |  OUR TEAM  |  TESTIMONIALS  |  RESOURCES  |  CONTACT

Be the First to Know

Be the First to Know