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HOME BUYER'S TIPS
"Buyers and
Sellers get Rebates"
ASK US HOW!
Whether
you are a first time buyer, stepping up and /or the sophisticated
buyer, I can provide you with the information you need, and help guide
you through the many decisions needed to purchase your new home. The
following are some of the many steps that I will be able to help you
with.
Getting started by
pre-qualifying for a loan:
Finding out the amount you qualify for.
Determining usable equity in your current home.
Calculating property taxes and insurance.
Estimates of closing cost
Available Properties:
Multiple Listing Information.
In house Exclusive Listings.
Making appointments to view.
Disclosures:
Geological/Hazards Report.
Retrofit requirements.
Pest/termite reports.
Home inspection services, roof, chimney, septic tanks, and well
reports (if applicable)
Preliminary Title Reports
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Recommended Lenders
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Robert Walker
Loan Consultant
Blue Adobe Mortgage
Office:
831-626-2112
Cell:
831-236-7826
Email Bob |
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Donna
Bommarito
Loan Consultant
BWC Mortgage Services
Monterey Branch
Direct: 831- 648-9310
Email Donna |
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VISIT Chicago Title's Buyers Resources Center
Escrow:
Your Escrow Officer is a professional, neutral, third party who
receives information from both sides of the transaction. The escrow
instructions are carried out according to the contract written between
the two parties. They also receive the deposit funds, which are
credited to the buyer toward the down payment. Closing is often
referred to as "Signing off" on escrow instructions." Usually done a
week to five days prior to the actual close of escrow.
Signing Off:
Title Insurance.
Reports (Misc.)
Financing Terms.
Debits & Credits.
Fees and Services.
Recording the deed.
Note:
If the transaction is cancelled then both parties must agree to
release these funds. In case of a dispute; then an arbitrator or a
court of law determines the out come of who receives what funds or
perhaps a division is made depending on the reason for canceling
escrow.
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