Real Estate
Build A Legacy Credit Solutions & Real Estate Group is a current member of the Delaware Black Chamber of Commerce (DEBCC)
Buyers
Things to Consider Before Buying a Home
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Your credit is crucial when applying for mortgage financing. We will help you obtain financing that best fits your financial needs and credit situation. If you need to make improvements relating to your credit score, we will help you find the right resources to accomplish that.
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When you find the perfect home, you will want to be ready to move forward with an offer quickly. We have many long term relationships with experienced lenders that will assist you with your mortgage needs. There are many specific programs that will be applied to your financial situation, whether you are a first time Buyer, or have bought and sold many homes in your lifetime.
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We will help you calculate your monthly mortgage payment, which will include your principle, interest, real estate taxes and homeowner’s insurance. If you put less than 20% down, you may have something referred to as private mortgage insurance. We will work with you to determine the monthly payment that you are comfortable with along with cash needed to close and we will curtail your home search based on the numbers and the home amenities that you desire. If you are short on cash needed for closing, there are local down payment and assistance programs that we could introduce you to. In many cases a Seller may also assist with Seller help, that could offset your cash needed to close. We will help you get into a home that meets your needs, while considering your unique financial situation.
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There are many other things you will need to consider when selecting a home. We will help you obtain area school information, commute time to your work, community features, for example; fitness centers, golf courses, country clubs, shopping and hospitals. We will work with you to focus on the type and amenities that you desire in a home, for example; # bedrooms, # baths, garage space, colonial versus ranch style, etc. We will research recent sales and help you select the most accurate offer price once you have pinpointed a home. We will negotiate the offer on your behalf, securing the best price and purchase terms possible. We will make sure you feel that you have found the perfect home and have secured the best contract terms. We possess extensive experience and knowledge of the market that will make you feel comfortable with your decisions.
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After the terms of a contract have been agreed upon by all parties, it is time to have your new home thoroughly inspected. Once any defects are discovered, we will negotiate on your behalf to have the issues addressed by the Seller. Your mortgage company will most likely require an appraisal, which we will ensure that this process runs smoothly as well. We will help you identify a closing service who will complete title searches, property surveys and prepare all of the documents necessary to complete the property transfer to you. On the day of closing we will do a final walk through of the property ensuring that the home has been left in the condition necessary. We will be with you at closing while you sign all of you documents. If you do need assistance with packing or moving services, we have recommendations that we can make.
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Now that you’ve found your perfect home it’s time to make moving arrangements. If you plan on utilizing a professional moving company, We can recommend reputable, local movers. Don’t forget to fill out your change of address forms and inform the utility company of your move!
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Chad G. Bowers, CMPS (NMLS 147895)
Nation One
Branch Manager
Office: 302-515-7448
Direct: 302-650-2133
Email: Chadbowers@nationone.com
https://hosting.bytesoftware.com/apps/bcp_54376/?LO=cbowers
Alisha Cooper (NMLS 1042913)
NationMac dba Home Mortgage Alliance Corp
Executive Vice President
Office: 302-494-7712
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Relocation
School - Feeder Pattern Search
Sellers
Why Hire an Agent?
Studies show that sellers who use a real estate agent generally get a better price than those who choose to sell their home themselves. As an agent it is our job to stay up to date on the latest market trends and fluctuations. Utilizing an agent means no surprises during the selling process, as you will have the latest information at critical junctures in the process. Let us put our experience to work for you to ensure you get the best price for your home.
Before Your Home is Listed
Prior to listing your home, you’ll want to ensure everything is in good showing condition before buyers start to tour the home. Here are some important things to consider:
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Now is the time to put things in storage, clean out the basement and garage and start preparing to show your home. Remove any family photos or personal items. Remember, you want buyers to see themselves in your home!
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Touch up both interior and exterior paint.
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Clean or replace carpet in areas with heavy wear.
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Keep the interior and exterior clean and odor free.
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Trim any overgrown bushes, mow the lawn and keep it free of leaves or snow. Make sure the front of the home is clean and appealing. You want to make a strong first impression!
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Once you’ve completed these steps you may want to hire someone to perform a pre-listing inspection. Buyers will be hiring professional inspectors too; this is your chance to find and address problems before it’s time to sell.
Professional Staging
We offer staging services as part of our listing package. We have accessories, artwork and furniture packages that will be set up in your home.
Home Valuation
Thinking of selling your home in the next year? Curious what the market conditions are like in your area? Wondering how the economy has affected your home’s value in recent months? Now you can find out your house value for free. Simply click the link below and complete all details.
