Selling in the 4th Quarter and Through the Holidays The fall months are no longer a Real Estate Dead Zone.  There is still plenty of action happening after Labor Day through Christmas. Fall officially began Sept. 23, but that doesn’t mean you should scrap plans for selling your home this year. In fact, October, November and December ...

Step 9 – Closing The closing process is also known as settlement.  Closing brings together a variety of parties who are part of the transaction.  At closing, transfer taxes must be paid and other claims must be settled (including closing costs, legal fees and adjustments.)  In most transactions the closing agent also completed the paperwork ...

Step 8 – Get Insurance The essential idea behind various forms of real estate insurance is to protect homeowners in the event of catastrophe.  If something goes wrong, insurance can be the bargain of a lifetime.  If you have a mortgage on your home, homeowners insurance will be a requirement of your lender, but even ...

Step 7 – Make an Offer A proposal to buy includes both the price and terms.  Terms can represent thousands of additional value or costs to the buyer and are extremely important. How Much? Determining the amount to offer depends on the basic laws of supply and demand: If many buyers are competing for homes, ...

Step 6 – Get Funding The cost of financing is often greater than the original purchase price of a home (after including interest and closing costs.)  Because financing is so important, buyers should have as much information as possible regarding their mortgage options and costs. What Kind of Loan? There are many kinds of loans ...

Step 5 – Choose a Home Choosing a home and making an offer is both exciting and a little scary.  If your offer is accepted, the place you’ve chosen will be your home for the next several years.  You not only need to feel emotionally satisfied, but financially comfortable that you’re buying a home that ...