Amber Spencer - Realty One Group Results

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Land loans typically require a larger down payment than traditional mortgages, often as much as 20% to 30% of the asking price. If you are purchasing raw land, the preferred down payment can be as much as 30% to 50% of the total cost.

From start (searching online) to finish (closing escrow), buying a home takes about 10 to 12 weeks

No, the market is hot right now and homes are selling quickly. Call now if you're interested in listing your home.

1. If you buy a home, you feel a sense of pride of ownership, it is your home, that you purchased. You feel a sense of self-satisfaction when you decorate, and create your color schemes in each room, each room unique to your own personal style. 2. A benefit of owning your own home is that you can deduct the cost of your mortgage loan interest from your federal income taxes You may also deduct the taxes that you pay as a homeowner. These two items can add up to LARGE SAVINGS on your income tax returns. 3. Another financial benefit of homeownership is appreciation (the value of your home increasing over time) or as you improve your home and increase your equity in the home.

Buying a foreclosure owned by the bank is a far easier process. In this type of foreclosure, a bank — which has taken over ownership of a home after its former owners stop making mortgage payments — sells the house, hiring a real estate agent to close the sale.

Closing is the day that settlement occurs, title is transferred and you get the keys to your new home.

Most financial institutions say that if you add your gross monthly income (not take home) with your spouse’s gross monthly income and multiply that by 30% of your total gross monthly income, this figure would be what you can afford to use towards housing related payments, ie: mortgage payments, taxes and insurance.

Yes, this will give you the opportunity to be sure that the home is in the same condition as it was when you signed the agreement of sale.

The advantages of owning land can include: tax deductions, cash returns on the initial investment, and potential borrowing power.

We take the stress out of selling your home by providing a seamless experience from start to finish. Our team will put you in the best position to market your home and sell it for the highest possible price.

We're here to help you find the home of your dreams. With a team of experts guiding you every step of the way, our extensive knowledge and experience will ensure you have the best home buying experience possible.

Getting pre-approved for a mortgage is the first step of the home buying process. Getting a pre-approval letter from a lender gets the ball rolling in the right direction. We can help you with that process

Some home buyers can get their pre-approval letter within hours. People with straightforward W2 income, decent credit, and money in the bank can be house hunting the same day. But for others, getting the letter could take days or weeks. If you’re self-employed or have dinged credit, your lender will require more documentation up front. It may submit your full file for a manual approval by the bank’s underwriters before issuing the letter.

Buying a home is an exciting process. Purchasing a home is one of the largest investments you will make in your lifetime. It is important to get it right. This means that you must take your time and do your homework and due diligence. Make sure that the home that you eventually buy is the correct one for you in terms of price, location, value, size and lifestyle.