Owning a Home For the vast majority of us, owning a home is part of the American Dream. It not only gives us a place to call our own, but also lets us customize the place we live in so that it feels and looks just the way we want it to. According to studies conducted by the National Association of Realtors, 87% of those polled cited home ownership as the number one criterion for defining the good life.

Selling your home is a big decision. In addition to financial considerations, you also will want someone protecting you and your property as buyers examine and make offers on your home. Also, when selling your home, you may be buying another home and will need help balancing your sale with your new purchase.

Mortgage Information

• What's in a price
• Getting down to payments
• Types of mortgages
• Financing information

The price of a home is only part of the financial information you will need when making a purchase. can provide you with the most current mortgage interest rates, loan options and fees and information about additional costs that are a part of home purchases.

Terms A loan on which the monthly payments will increase or decrease over time, based on changes in the ARM's interest rate index. ARM payments typically are adjusted every six months or once a year. Common indices to which ARMs are tied include the 11th District Cost of Funds, one-year T-note and six-month T-bill.

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Buying a Home For most people, the single largest purchase in their lives will be their home. Selecting the right house and getting the best financing for your purchase requires informed, experienced guidance.

Selecting a Realtor A good realtor can save you time and money. Realtor's trained and licensed agents can keep you informed about both the housing market and your financial options. They represent you, whether you are the buyer or seller and can assure you that your interests are their priority.

Buying a Home / Using a Realtor Finding the right home, in the right neighborhood, and for the right price takes more than knowledge. It is also a lot of work and requires a lot of time. An experienced realtor can help you use your time looking at the homes that are right for you. No need to spend your time looking at the wrong places. Your realtor will take your requests and check daily for all homes that are right for you.

Selling a Home / Using a Realtor You probably know that working with a REALTOR� is an indispensable part of selling your home. For one thing, your REALTOR� can list your property in the MLS, providing your home with incomparable exposure and ensuring you have as many REALTORS� as possible helping to find a buyer. But that's not all a REALTOR� does to market your home. He or she knows how to specifically target advertising to reach buyers for your home, and uses all the marketing tools available to ensure that your home is sold expediently.

Real Estate Transactions Experiences when buying and selling a home are unpredictable. They range from great to horrible and the best guarantee that you will have a successful experience is to have a professional represent you. This person can preview the many and various homes on the market and present the best choices to you, can represent you in purchase and sale negotiations, present reliable financial services and keep you informed about the many additional factors that arise when purchasing and selling your home.