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Buyer Services
HOME......
Where you and your family live and laugh together...where you enjoy today and plan for tomorrow.
Buying a home is still as much a part of the American Dream as ever. It is one of the biggest decisions you will make, not one to be taken lightly. Homes cost a lot of money and require a commitment to maintenance. Renting is much less complicated. So why buy a home?
Home ownership provides key financial benefits. Owning your home gives you a sense of freedom, a feeling of security and pride. All in all, home ownership is generally a high-performing investment well worth the effort.
Now that you've decided to investigate home ownership, the best way to approach your purchase is as an educated consumer. Your CENTURY 21® sales professional will be able to help you with answers.
Nearly a million families a year become homeowners for the first time. You can be one of them!
FINANCIAL BENEFITS
Through home ownership, the money you pay for shelter every month will be an investment in your future, not someone else's. Each mortgage check you write (in the absence of depreciation) will build equity--the difference between what your home is worth now and what you paid for it. When you sell, you collect the equity as your profit. This profit can help put you into your next, larger home. Or you can tap the equity for college tuition loans or retirement funds at a rate which is generally lower than available on personal loans. Also, paying on and ultimately paying off a mortgage is an excellent way to establish a good credit rating and prove financial stability.
Your home purchase is not only an investment in your future, it's a powerful tax benefit as well. You can deduct both the interest on home mortgage payments as well as the cost of property taxes.
WHERE TO BEGIN
Personal Freedom
Home ownership frees you from the whims and dictates of a landlord. There will be no unexpected rent hikes. You will be able to decorate as you like, have a dog or cat, and make improvements on your property. You gain privacy and the freedom of expression.
Pride of Ownership
Perhaps the most intangible, yet powerful, advantage is the pride of ownership. A home gives you and your family a feeling of stability and commitment. A special sense of security and satisfaction comes as you begin to put down roots in a neighborhood. Your family will enjoy the benefits of this decision for many years.
Where to Begin
The process of buying a home can seem long and complicated -- so many new words to learn and understand -- deciding what you really want in a home -- wondering if you can afford such a major purchase.
The first step in the purchase of a new home is to evaluate your financial status.
What Can You Afford to Spend on a Home?
The best approach in buying a home is to first understand how a home is financed. There are three crucial elements: (1) a down payment, (2) closing costs, and (3) the mortgage. When you know the amount of down payment and closing costs you can afford, and how much mortgage money you will be able to borrow, you know how much home you can buy.
GET PRE-APPROVAL IN LESS THAN 3 HOURS (click below)
Cendant Morgtage
Information to have on hand when you visit the website
About You...
___ Name and Social security number of each applicant
___ Address of landlord or address of mortgage compnay and mortgage account number
Assets
___ Source(s) of down payment and closing costs
___ Bank address, account number and approximate balance
___ Value of assets (stocks, bonds, mutual funds, etc.)
___ Net worth of businesses owned (if applicable)
Debts
___ Confirmation of credit cards and installment loans
___ Information on any other properties owned (rental, investment, second homes)
___ Alimony / child support payments (if applicable)
Income
___ Monthly salary and sources of income
___ Information on employment
WE CAN HELP
Searching for your dream house is no easy job. A real estate sales associate's knowledge, experience, and access to the properties can simplify the process. A sales associate who participates in the Multiple Listing service (MLS) has access to many homes for sale--no matter who they are listed with.
After learning of your specific housing needs, a professional sales associated can screen the homes, finding those most suitable to show you. This can save you time, money, and effort. Your sales associate can also supply information on home values, taxes, utility costs, neighborhoods, and financing.
Come visit our AGENTS to find the best suited for your needs and wants.
Serving the communities of Niceville, Fort Walton Beach, Destin, Crestview, Bluewater Bay, Choctaw Beach, Navarre, Valparaiso, Shalimar, and all the surrounding areas of Eglin AFB, and
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