Whether you are seeking to purchase a new home, existing home, investment property, commercial, or land, I am here and ready to assist you!
Great News for Homebuyer's!! There are down payment and/or closing cost assistance now available for 1st Time Homebuyer's. There is also a program for all homebuyers (including investor's) that require NO MONEY DOWN!!
Contact me today for more information!
The Reason Representation is so Important
Having a professional real estate agent such as a REALTOR® to represent you is very crucial. A REALTOR® you choose as your agent will fully represent your best interests. A person who is granted a license by their state to perform a job such as real estate is considered just that; an agent how has a license to be able to perform that specific job. However, a REALTOR® is a real estate agent who is a member of the National Association of REALTORS® and has vowed to comply and practice under a Strict Code Of Ethics order.
Some of the duties a REALTOR® owes to their clients are, but not limited to:
Always maintaining client confidentiality, unless required to be released by law.
Disclose known material facts about all transactions and properties
Have the clients best interest in every situation by only seeking a transaction acceptable to the client.
As a buyer, you want to make sure that you are teamed up with someone who is on your side and there to guide and equip you with the most data and information as possible.
It is very crucial to know exactly how much you can afford as on your new home. It is always best to talk with a lender first to obtain a pre-approval for your new home purchase. This will eliminate any lost expenses as well as wasted time. Having a pre-approval is also a huge plus when purchasing a home because this gives you a stronger negotiation position with the seller.
One thing you want to always remember when purchasing a new home is that your monthly costs should not exceed 28% of your monthly income before taxes are taken out. This includes your home insurance expense, real estate taxes (property, hoa, etc.), and your mortgage payments.
Housing Programs - Down Payment Assistance
The US Congress has passed the American Dream Downpayment Act (ADDA) which qualifies buyers for Federal Government Downpayment Assistance. Certain restrictions apply. Please contact me for in dept details.
New No Money Down Program for ALL Homebuyers
Great news for all homebuyers!! There is now a loan program that requires No Money Down! Contact me immediately to get additional information on how you can tap into this great opportunity! The closing process is quick and simple!
$8,000 Tax Credit
Read how a borrower can use the tax credit for down payment and/or closing costs if needed.
There are some things in life that are free and doesn't cost and that is the assistance and guidance of a REALTOR® for home buyer's.
© 2009 Hopkins Realty & Associates
