| Buyer Services |
| Lets Get Started! Please Contact Me I would like to discuss Buying a Home! |
| 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 Cobb Comey & Shepherd Realtors 6901 Wooster Pike Cincinnati, Ohio 45227 Office: (513) 561-5800 Voice Mail: (513) 561-7016 Ext: 224 Mobil: 886-3210 |
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