Hello from beautiful Billings, Montana! My name is Mark Stephenson and I want to help you buy your next home. I’m what is know as a Home Buyer’s and Seller’s Consultant. I will help you find the home of your dreams, or sell your present home in the fastest time possible. My goal is to help you and your family find a home that not only meets your criteria for location and quality, or sell your home and get the you most money for it. I’ve been in the real estate business for more that 8 years and have helped more than 120 satisfied buyers and sellers. I can provided the information you need to make an informed decision about a home that’s perfect for you and your family. And I can provide you with all the information your need to sell your home for the highest price possible. For a free consultation, you can call me at: 406-435-2978, or email me at: mark@homes-today.info  

Home Buyer’s Guide

Are you looking to buy a house? You are not alone in this search for a place to call it home. There are millions of others in the United States who have been looking for an ideal abode. Very few, however, have been lucky enough to get what they want. Finding the right home with affordable price and mortgage is not an easy job. You can avoid falling into the pitfalls that millions of others have been unable to avoid. Below are some of the tips you can follow to ensure smooth sailing and positive outcomes. Where to Start? Start your search by first identifying the type of property you want to purchase. Do you like apartments and condominiums? Does a fully detached house in a serene neighborhood appeals to you? More importantly, which area or locality you want to move in? Answering these questions will help in zeroing in on the desired properties and locations. Get your Finances in Order Even more important is to know about your financial capabilities. How much money can you pay upfront? What is the amount you will need to borrow? What is your credit report? These things become pivotal when you scan the market for loans and mortgages. Having a clean credit report goes a long way in ensuring speedy processing of mortgage application. The trick lies in lowering your monthly mortgage payment. This can be done through a large down payment. You can also ensure that by having an excellent credit rating. Lenders like to accommodate people with a clean record. Hire a Real Estate Agent It is recommended that you hire a real estate agent to find a residential property. These people have the right expertise that a novice can’t match. You may have some concerns about finding a reliable realtor. You can find a reliable estate agent by focusing on reputation, customer reviews and ratings. These will help you in identifying a reliable business. Another thing to look for in a real estate agent is the number of properties he or she is representing. Also look out for those agents that deal specifically in your desired location. They will have more properties than others and may also get you a suitable deal. Identifying Hot Properties The next step is to identify a few properties that can be termed as ‘hot.’ These properties meet all of your requirements and then some. These are located in the right location, come with plenty of room, have a solid structure and all the amenities available. You can narrow down your search and focus on negotiating a deal on these properties. Closing a Deal The final step is to close a deal and get the home of your dreams. Before you do that, do not overlook the importance of negotiations. You can spend some time in negotiating with the sellers and agreeing on favorable terms. A good real estate agent will guide you through the process. Make sure that all the legal requirements are taken care of and there are no disputes involved. The final step is to make the down payment and move into your dream house. Internet Resources Zillow Home Buyer’s Guide

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