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The Decision!

If you finally made the decision and are searching for property for sale, there are a number of things to take into consideration and think about. Finding property can sometimes be difficult if you don’t know what to look for or where to look. Which is why, we here at Hometown Realty strive to make sure this is a pleasurable experience for all our clients.

The Next Step!

The next step is to make a personal list of what it is you want and need in a piece of property. Size, location, and price are three major bullet points you will want to write down.  


Other Options:

  1. How many bedrooms
  2. Separate office space
  3. How many bathrooms
  4. Square footage
  5. Size of garage
  6. RV parking
  7. HOA or no HOA
  8. School location
  9. Preferred year built

Time to talk with a Mortgage Lender

Loan officers

A loan officer is an agent employed by a lending institution. They work directly with the homeowners to take them through the mortgage process.  


They do the legwork — such as gathering documents, pulling your credit history, verifying income and employment. They will use the information to apply for loans on your behalf with several lenders in a short time frame. 

Lending Options

Find out what options are available when it comes to borrowing money. 

  • Fixed Rate
  • Adjustable Rate
  • Government-Insured 
  • Conventional Loan
  • FHA Loan
  • VA Loan
  • USDA / RHS Loans.


Referrals

A referral from a real estate agent to a mortgage lender is earned business; it can't be bought. More than likely, your agent will have a relationship with a few mortgage lenders that they trust.  It's partly that relationship that will ensure a stress-free transaction and a basis for good communication.  You owe it to yourself to at least talk to the agent's recommended mortgage lenders. 

          The Lead-Based Paint Disclosure Regulation

In 1996, the Lead-Based Paint Disclosure Regulation was enacted. It requires owners of pre-1978 "target housing" to disclose to potential buyers or renters all known information about the presence of lead-based paint and/or lead-based paint hazards in the property. It requires that the potential buyer or tenant be given the lead information pamphlet, "Protect Your Family From Lead In Your Home," or other EPA-approved pamphlet as well as a specific disclosure statement. The option of whether to test for the presence of lead-based paint is left to the owner, so long as a decision not to test is disclosed.

EPA-approved pamphlet (pdf)

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