Homes For Sale Port Saint Lucie
Port St Lucy Real Estate
PORT ST LUCIE REAL ESTATE AT http://www.MELISSACONRAD.net
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| FIRST
TIME HOMEBUYER - WHEN YOU FIND A HOME |
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| You dream of a home. Your dream home.
How exactly do you get from one to the other? I have tried to
organized the facts right here in an easy-to-follow format. I
remember what it was like not to know ARMs from amortization or
title searches from expense ratios. Breathe easy. I've translated
useful information and will walk you through the entire process.
Before you know it, you'll be ready to cross the threshold to
your very own home.
Making Up Your
Mind
Getting Started
Home Shopping
Mortgage Types
When you Find
a Home
The Home Stretch
Your Rights as a Consumer
INSPECTIONS -
Home inspection
Depending on the type of financing you choose, several home inspections
may be conducted. The first should be your own basic inspection;
the second should be a professional whole-house inspection by
a reputable person. Should you select a government loan (FHA or
VA), the third inspection should come at appraisal, which amounts
to a "mini-inspection." Don't rely on this as your only inspection.
It is critical to have an extensive home inspection. It is well
worth the $200 to $500 inspection fee to avoid repairing items
that a good home inspector would have found. Any offer to purchase
should be contingent upon (subject to) a whole-house inspection
with a satisfactory report. Don't let anyone -- not the agent,
not your family or friends and especially not the seller -- dissuade
you from having a thorough inspection.
Inspections are designed to disclose defects in the property that
could materially affect its safety, livability or resale value.
They won't disclose cosmetic problems.
Don't wait until you've made an offer to begin the search
for a home inspector. There will be a time limit in the
contract by which the inspection must be completed (typically
between 7 and 14 days). Generally, a real estate agent can recommend
an inspector.
Termite, well, sewer or septic certificate
These inspections certify that the sewage and water supply work
properly and that the property is free of termites and/or other
wood-destroying insects. The sales contract states whether you
or the seller is responsible for inspections and certificates.
Go with a reputable appraisal firm
A good appraiser will verify the value of your home and determine
how much you can borrow. Find a certified or licensed appraiser
for your mortgage, home equity or refinance loan through the Appraisal
Subcommittee's search engine.
The mission of the Appraisal Subcommittee (ASC) is to "ensure
that real estate appraisers, who perform appraisals in real estate
transactions that could expose the United States government to
financial loss, are sufficiently trained and tested to assure
competency and independent judgment according to uniform high
professional standards and ethics." You can search for appraisers
by state, suspension, within a city or county or by name. Also,
you may be able to secure a recommendation from your lender.
The market is changing!
Dont lose out with an amateur!
I can help you with one of your
most
important investments,
YOUR HOME!
Melissa
Conrad, REALTOR®
Committed
to Life Long Superior Service!
Melissa@MelissaConrad.net
Direct: 772-240-2589
Coldwell Banker Residential
Real Estate
1973 SW Savage Blvd
Port St Lucie, FL 34953
DIRECTIONS HERE >>
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