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RE/MAX Ideal Brokers, Inc. RE/MAX real estate Broker, Realtor® Jeane Szot Southern Oregon real estate for sale, medford oregon real estate for sale, Jackson County real estate for sale, Rogue Valley real estate for sale, Josephine County real estate for sale, Ashland Oregon real estate for sale, Talent Oregon real estate for sale, Phoenix Oregon real estate for sale, Jacksonville Oregon real estate for sale, Central Point Oregon real estate for sale, Grants Pass Oregon real estate for sale, Shady Cove Oregon real estate for sale, Butte Falls Oregon real estate for sale, Gold Hill Oregon real estate for sale, Rogue River Oregon real estate for sale, Williams Oregon real estate for sale, Wimer Oregon real estate for sale, Kirby Oregon real estate for sale, Cave Junction Oregon real estate for sale, Merlin Oregon real estate for sale, Applegate Valley real estate for sale, Eagle Point Oregon real estate for sale, White City Oregon real estate for sale, Colonial Valley real estate for sale, homes for sale, real estate Medford Oregon southern Oregon Rogue Valley Ashland Talent Phoenix Jacksonville Central Point Ruch Applegate Valley Williams White City Eagle Point Sams Valley Shady Cove Butte Falls Gold Hill Rogue River Grants Pass Murphy real estate east northeast south southeast southwest north northeast northwest west property properties for sale listing listings lot lots market seller sellers buyer buyers real  estate agent agents broker brokers owner home homes house houses city town country rural farm land farms ranch ranches acreage acres acre residential real estate subdivision neighborhood neighborhoods investment property properties commercial industrial office building offices buildings space build single family single-family multi multi-family condo condos condominium condominiums duplex duplexes rental property forclosed forclosure retirement near on the river lake side front lakefront water front waterfront real estate lakeside mountain mountains mountainside creek frontage creekside foot hills foothills roxy ann anne resort real estate vacation golf course courses recreation Jeane Szot Remax RE/MAX Ideal Brokers, Inc.

Information for Buyers

Whether you've spent years saving and preparing to buy a home, or you're unsure if you can afford it, the questions surrounding home buying can feel endless.

Here are some tips to help you become your own landlord through home buying.
  1. Hire a real estate professional.
    An important first step is selecting a home buying professional to help you find your dream home and fine-tune your financial expectations. Working with a buyer agent is worth consideration, because he or she is legally responsible for representing the buyer's interest in a real estate transaction.  Generally, the Buyer's Agent is compensated by the seller at the time you purchase a new home.  Before making a decision, however, have a REALTOR® explain the pros and cons of using a buyer agent versus a dual agent. Your Realtor® can guide you through every step of home buying.


  2. Shop for mortgage rates and terms.
    A difference of even half a percentage point can mean a considerable savings over the life of a loan. For example, the difference in the monthly payment on a $100,000 mortgage at 8 percent vs. 7.5 percent is about $35 per month. Over 30 years, that's $12,600.


  3. Pre-qualify for a loan.
    Also early on, you'll want to get pre-qualified for a mortgage loan, which determines how much you can afford. It allows you to move swiftly when you find the right home, especially when there are other interested buyers. It also indicates to the seller that you are serious about home buying and can afford to buy the property.


  4. Outline what you want.
    The next step in home buying is to create a realistic idea of the property you'd like to buy. What features are most important to you? Make two lists: one of the items you can't live without and one of the features you would enjoy. Refine the lists as you house-hunt. It is also helpful to search online to see what is currently available on the market. Your real estate professional can then show you houses that meet your expectations.

  5. Visit properties.
    Now you're ready to visit houses.  Ask your RE/MAX Realtor® to help in your home buying process by arranging showings. Be sure to keep track of the properties you've seen. Each time you venture out to see more properties, revisit your notes to immediately eliminate any that clearly do not meet your standards.


  6. Know the features that help or hurt resale.
    In some areas, a swimming pool actually detracts from a home's value and makes it harder to sell. In neighborhoods with two-car, attached garages, a single-car or detached garage may affect the home buying prospects and future value. Your RE/MAX professional can point out features that hurt or help resale value.


  7. Rate the houses you tour.
    After touring each home, write down what you liked and didn't like. Develop a rating system that will help narrow the home buying field. For example, pick the house you like best on day one and compare all other houses to it. When you find a better one, use the new favorite as the standard. Avoid trying to track more than four top choices at any given time since this can quickly become overwhelming.


  8. Make an offer.
    Once you've pinpointed your dream house, it's time to get serious about the financial and contractual side of the purchase. Let your RE/MAX Broker guide you through this sensitive home buying process. Because you and the seller have different goals, rely on your RE/MAX Broker's experience and expertise to bring order and calm to the process - and help both parties reach a favorable outcome.


  9. Arrange for a home inspection.
    After your offer is accepted, set up a home inspection. It's common to find problems, including leaky roofs, cracked walls, insect infestations and foundation problems. Your real estate professional can help find a reputable inspector, and will negotiate to get you the most for your money once the inspector's report is final. If you negotiate repairs as part of the purchase, ask for a "walk through" before finalizing the home buying paperwork. Ask your real estate expert about home protection plans, which may save you money in the near future.


  10. Close.
    Before your closing date, make sure you've made all necessary deposits and completed the paperwork - including mortgage, title, homeowner's insurance and any other paperwork required by local or state governments when home buying. Your RE/MAX agent will be there upon your request to help you complete that closing checklist and avoid any last-minute snags. You deserve to enjoy every moment of the home buying process.


  11. Prepare for life in your new home.
    Before rolling out the welcome mat, consider some moving basics: arranging for an alarm company, turning on electricity, water and gas, cleaning or replacing the carpet, and notifying your local post office of your new address. The best time for renovations is often before you move in.

Welcome home to Southern Oregon!


Southern Oregon Real Estate:  Jeane Szot - Broker, Realtor ®   RE/MAX Ideal Brokers, Inc.  (541) 618-5313