It’s probably the biggest investment you’ll ever make, with long-term financial ramifications. It calls for informal decisions & for good advice from a real estate professional.

I can certainly help you with any of the items listed below! All you have to do is call!
Consulting is what I am here for…so please, drop me a line………Direct: (716) 864-9999
Email: al@alryer.comHere is a brief summary of what you need to do:

• Get pre-qualified for a mortgage.
  1. This will help you determine how much you can afford & help you understand the best financing methods available for your needs.
  2. It will also show you how much cash you will need to purchase a home. Typically, the cash needed will include:
     • Down payment
     • Bank fees for processing your loan
     • Escrows (up to 1 year taxes & home owners insurance)
     • Personal attorney fee.
     • Personal home inspection.
  3. You will also learn what the monthly payment will be for a home in your price range. Payment includes principal & interest (mortgage) & also in most cases taxes and insurance (escrows)
• Determine what style of home & where.
  1. Size, style, features, location, schools, shopping & other personal preferences.

Here you simply need to work out a realistic idea of the home best suited for your needs.

• Once you find your home, learn important information regarding:
  1. What is the home selling for?
  2. What is the property’s value?
  3. How long has it been on the market for sale?
  4. What major repairs if any, does it need?
  5. What are the true taxes, utility costs, etc. You don’t want to be surprised by any hidden costs that could effect your decision to buy.

THE KEYS TO YOUR SUCCESS!

• Always have all your questions answered before moving forward. If you do have any questions left then you’re not ready.
• Location & resale should be your top priorities. Good rated schools usually mean good location.
• Try not to buy with your eyes or emotions.
• Have a home inspection. This will help you better understand your home & its priorities before you close. It will also protect you should any major problems be discovered by your home inspector.
• Learn the “full circle” of the real estate transaction…the entire buying & closing process, so you can make good, quick & accurate decisions for yourself when you need to.

al@alryer.com