Buyer Services

Buyer Services

Lets Get Started!

Please Contact Me
I would like to discuss
Buying a Home!

Lets Start Looking for your Dream Home Today!

Home Buyers

What you can expect.....

We will take the time to get to know you and to
understand your needs and goals.

Arrange an opportunity for you to meet with a loan
originator to introduce you to the incredible array of
loans available, especially those most attuned to your
individual situation.

Determine your time requirements and create a plan that
matches your schedule.

Provide you with comparable information on the
neighborhoods in which you are most interested.

Help you write a contract which includes safeguards for
you as a buyer-such as inspections, contingencies
regarding financing, and follow-through with the closing
details.

GETTING STARTED

Before you start looking for a home you should ask
yourself a few questions.

Where do you want to live?
Do you want to be close to schools, shopping, or work?
What kind of house would you like or need?
Are you looking for a particular style?
How many bedrooms and bathrooms do you want?
Do you want a yard?
How much house can you afford?
Have you consulted a Realtor or mortgage lender to
determine the size of the mortgage you would qualify for?

Here are a few tips to help you get organized:

Obtain a credit report on yourself and make sure the
information is accurate.
If you find any errors, take steps to correct them
immediately.
Browse through our Homefinder, real estate
advertisements in the newspaper and Homes magazines.

This will give you a good feel for the types of homes that
are on the market and what they cost.

Call us or simply fill out the online request form if
anything looks interesting.

Visit open houses on the weekend to get ideas for
things you might like in a house but have not considered
yet.

Start saving money. You'll need to have cash on hand for a
down payment and closing costs. Many Mortgage
Programs exist today for buyers who don't have a down
payment. We can assist you with these lenders who can
get you started on the process.

Don't incur any additional debt. Pay down your credit
cards and don't apply for new ones. Don't make any major
purchases on credit.
Contact us.....we can help you determine how much you
can afford, and provide you with information on homes
that may interest you.

HOW MUCH HOUSE CAN YOU AFFORD?

Simply put, you can afford a house that costs as much as
the largest monthly mortgage payment you qualify for.

A quick way to estimate the size of mortgage you qualify
for is to take your gross monthly income (that's before
taxes and other deductions) and multiply it by .28. This
works out to just over 1/4 of your gross income.

Mortgage companies use something called qualifying
ratios to determine how much they'll lend you.
Most mortgage companies use either a 28/36 ratio or a
25/33 ratio. The first number in each pair is the
percentage of your gross income that the lender would
consider acceptable as a monthly mortgage payment (i.e.
if you make $3,000 per month, 28% of that is $840 per
month).

The second number in each pair is used when all debt
payments are considered, not just the mortgage. (i.e. if
you make $3,000 per month, but also have a $250 a month
car payment, 36% of $3,000 is $1,080, minus the $250 car
payment equals $830).
We can help you understand Mortgage Terms.

WHY YOU SHOULD WORK WITH US!

Working with a professional Realtor to buy your home is
a good idea for several reasons. WE CAN HELP YOU.....
Analyze your financial situation to help you determine
how much you can afford.

Explain the buying process to you.

Access information on all properties listed for sale by
area Realtors.

Set up appointments for you to see homes that interest
you.

Help you complete all the necessary paperwork when it
comes time to make an offer.

Help you arrange financing.

Be there at closing to answer your questions and make
sure it runs smoothly.

CHOOSING A REALTOR

Searching for your dream home can be a time consuming
experience.
Working with Comey & Shepherd professionals will make
the process much more efficient.

Most people spend a fair amount of time with their
Realtor, so it is important to have a Realtor with whom
you can feel comfortable.

Here are just a few of the ways you will receive great
service from us

We Will.........
Return your phone calls promptly.
Ask you questions to determine what you want/need in a
house.
Perform a financial analysis to help you determine how
much you can afford.
Explain procedures and paperwork carefully.
Refer you to an experienced loan officer(s).
Gather whatever information you need to be comfortable
in your decision making.

Lets begin your Home Search and get started Today!

Name:

Phone:

E-Mail:
Address

Marne & Don
Cobb

Comey &
Shepherd
Realtors

6901 Wooster Pike
Cincinnati, Ohio
45227

Office: (513)
561-5800
Voice Mail: (513)
561-7016 Ext: 224
Mobil: 886-3210