Buying a home is one of the greatest decisions that one takes throughout his lifetime. The amount of costs involved and the excitement that you get out of owning your own home…all combines to make home buying a memorable event of a lifetime.

Why is buying a home beneficial?
Buying a home is beneficial from every aspect. If you accumulate monthly rent that you pay for a rented house, it will add up to more than the price of a home. And, even after paying all the money, you neither get any return for the money invested nor build up any asset. Buying a home may be an added tax benefit and your home builds equity every month, which entitles you to make more money when you sell it.

We make home buying a pleasant memory that you can cherish all your life. We are flexible in our approach and restructure the mortgage process for you. We are totally customer centric service provider and offer tailored-made products that can help you determine the appropriate loan amount and program for you.

How we help you
We will guide you on reviewing your budget and considering the costs of owning a new home. we will help you decide whether you would be able to maintain a home and that you have considered all utility payments.

We will get your house pre-approved. This will help you know how big a home you can afford. Our professionals will help you analyze and understand all necessary mortgage options.

Making an offer is strategically important where most newcomers lose out. We will educate you on how to judge the price of any home that you have shortlisted and how much you should offer. We do have access to Multiple Listing Service and know the prevailing areawise rates.

Don’t forget to ask these questions!

• What is the asking price?
• What is the selling price?
• How long houses in the neighborhood up on sale?
• How long is the house on sale?
• Has the price been reduced? If yes, by how much?

Everybody wants to feel like they got a deal, but a seller may not take a low offer seriously enough to counter. At times, it is a common in some areas for homes to sell above the asking price. Hence, be prepared to go back and forth during the negotiation process until a final number is agreed upon.

Earnest Money Deposit
An earnest money deposit shows that you are willing to buy the home. The deposit amount is not fixed and depends on the price of the proposed property and also upon the seller. As a thumb rule, earnest money deposit usually varies between 1 to 4% of the offer price. Whatever earnest money you deposit, it is added towards the purchase price or closing costs of the home.

Paperwork is the backbone of any loan completion. We will help you arranging every document that the loan requires before closing the deal.

Closing
We even offer help during closing. This includes closing cost, method of payment (cashier’s check, cash, etc), homeowners’ insurance policy and evidence showing you’ve paid one year’s worth of homeowner’s insurance. We will help you make sure that the title to your home is being transferred clear of any disputes, liens, etc.