Top Olney Homes because..."There's No Place Like Olney!"

For Home Buyers


Buying a home is an exciting time in one's life. Making the smart move of choosing a REALTOR® is your first step to ensuring that your new home and community meets your needs. My services and experience range from financial aid to helping you find the home that best suits you and your family. For your convenience, I also provide listings by email. I pride myself on repeat business and hope you'll come to understand why.

How I Can Help
Before you start looking
Closing Costs
Real Estate Reference and Moving Guide (lenders, settlement companies, home inspectors,etc.)

As Your Agent, I Will:

  • Assure that you see all the properties in the area that meet your criteria.
  • Guide you through the entire home buying process, from finding homes to look at, to getting the best financing.
  • Make sure you don't pay too much for your new home and help you avoid costly mistakes.
  • Answer all of your questions about the local market area, including schools, neighborhoods, the local economy, and more.

Before You Start Looking For Your New Home:

  • Check your credit rating. Straighten out any errors before its too late.
  • Determine a comfortable monthly budget for your new purchase, including down payment and monthly payment.
  • Find a loan program that meets your needs and get pre-qualified (preferably pre-approved).
  • Choose a REALTOR® that you trust and who understands your needs.
  • Determine what neighborhood best matches your needs.
  • Identify important features you need your new home to have.

Closing Costs to Expect:

  • Lender fees include charges for loan processing, underwriting, preparation and establishing an escrow account.
  • Third-party fees include charges for insurance, title search, and other inspections such as termites.
  • Government fees include deed recording and state & local mortgage taxes.
  • Escrow and interest fees include homeowner's insurance, loan interest, real estate taxes, and occasionally private mortgage insurance.

Find out how much your closing costs could be.

Back to top...

 ____________________________________________________________________________________________________________________

Home Buying Process Checklist

 

1. Familiarize yourself with the mortgage process.

2. Get mortgage pre-approval.

3. Identify areas where you want to live.

3. Find a house

4. Make an offer

5. Familiarize yourself with the selling contract and other forms (your REALTOR® will take the time to explain the contracts, forms, and home buying process to you).

6. Negotiate price, settlement date,  & contingencies in offer.

7. Submit a mortgage loan request

8. Arrange for a home inspection.

9. Did you want a home warranty.

10. Schedule settlement with a settlement/title company.

11. Find and secure homeowners insurance

12. Make final preparations for closing

13. Make moving plans, if you plan to use a moving company, compare prices and reserve time

14. Secure mortgage approval and loan commitment

15. Do a final walk through of the house

16. Call Utilities Company and make sure utility bill is paid up to date by seller. Move account to your name to start after closing

17. Call garbage pick-up and request service starting after closing

18. Call phone company, cable company and others to start service after closing date

19. Close

20. Put closing and settlement papers in a safe place

21. Move

22. About 2 weeks after closing, contact local property recording office and confirm that the deed has been officially recorded

23. Many owners make a photo or video record of the home and their possessions for insurance purposes and then keep the records in a safety deposit box. Your insurance provider can recommend what to photograph and how to secure it

24. Enjoy your new home!

 

 

Susan Ellis