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Different lifestyles demand different styles of homes, and as your real estate agent, it is our job to guide you throughout the entire home buying process, from pre-qualifying and home selection all the way through to contract negotiations and closing. The "Brokerage Fee Is Paid By The Seller", so the services of your real estate agent are FREE OF CHARGE to you as the Buyer.

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HOME BUYER ASSISTANCE
The purchase of your home is one of the biggest investments you will ever make, so our real estate agents will carefully assist you throughout every step of the way with the following:

  • Pre-qualifying

  • Location selection

  • Home and property selection

  • Contract negotiations

  • Mortgage application

  • Financing process

  • Various inspections performed

  • Obtaining homeowners insurance

  • Underwriting

  • Closing

HOME BUYING PROCESS
When buying a home in the United States you may be asked to provide the following documentation to establish sufficient income for a mortgage (documentation will vary depending upon whether you are a domestic buyer or a foreign national buyer):

  • Two forms of identification

  • Application fee (cost of appraisal and credit report)

  • Legible sales contract signed by both Buyers and Sellers

  • Social security number of all domestic applicants

  • Complete address for the past 2 years (including name and address of landlords)

  • Name, address, and all income earned from all employers for past 24 months

  • Copies of previous two years W-2 forms

  • Copy of most recent year-to-date pay stubs

  • Loan documentation showing name, address, account number, monthly payment and current balance for: installment loans, revolving charge accounts, student loans, mortgage loans, and auto loans

  • Three months bank statements showing name, address, account number, and balance of all deposit accounts, including checking accounts, saving accounts, IRA's, stocks, or bonds

  • If you choose to include income from child support/alimony, bring copies of court records of canceled checks showing receipt of payment

  • For foreign nationals, reference letters from your foreign bank

  • B-1 pr B-2 visitor's visa (depending on nationality)

  • Passport

Foreign buyers often pay cash as it is a much easier and quicker process for them rather than securing a mortgage. However, when trying to secure a mortgage a foreign buyer should expect to make a 30% down-payment.

Buying A Home

Homeowners insurance is required by all mortgage lenders to protect the home from any potential damage. Insurance costs will vary depending upon the size of the home and location. 

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International buyers must consider property taxes when buying a home in the United States. The taxes vary by state and county depending on the area and value of the property.

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