• If you  missed taking advantage of the first-time buyer tax credit but are still planning the purchase of their first home, you continue to have a wealth of opportunities in today’s home marketplace. Here are a few smart steps that can save first-time buyers thousands of dollars:

    1. Double-Double  (Look twice at your credit)
    Your credit must be a clean as possible, since you probably will need to get a mortgage to buy a house.  Go ahead now acquire copies of your credit report. Make sure the facts are correct, and fix any problems you discover on each report.

    2. Short Timers this is not your time!
    If you can’t commit to remaining in your new home for at least a 3 to 4 years, then owning is probably not for you, at least not yet. The transaction costs of buying and selling a home may be financed into the home, but  you may end up losing money (the bottom line) if you sell any sooner – even in a rising market. If you are adamant on selling it, then make sure to have a look about foreclosure in arizona and make sure to sell your house to a company ready to buy it immediately rather than putting it on sale online which will then take months for it to get sold.

    3. Survey Says “points and rate” – hire a professional mortgage company
    When picking a mortgage, you usually have the option of paying additional points- a portion of the interest that you pay at closing- in exchange for a lower interest rate.  Your mortgage professional should help you out here.   If you stay in the house for a long time- say three to five years or more- it’s usually a better deal to take the points. The lower interest rate will save you more in the long run.  Make sure this is all spelled out on a spread sheet.

    4. There is not a home “Lemon Law” – Hire a home inspector
    A home inspector can let you know if you’re about to buy a “dud” of a house or warn you about potential problems.  At best, you can move into the house confident and with a peace of mind that the home is in great condition.  If the report indicates the worst,  the inspector’s report can let you terminate the deal.  Typically, the home inspection report is used to negotiate the home price to account for necessary repairs that the seller is usually unaware of.

    5. Get professional real estate help – Research your agent.
    Inside the world wide web, the Internet gives buyers unprecedented access to home listings.  Look all you want, but when it’s time to by hire an exclusive buyer agent.  They will have your interests at heart and can help you with strategies during the buy to closing process.

    6.  Make it a Win-Win.
    Take this one to heart your purchase should be a win-win for you and the seller.  You do not need the stress that comes from running with the Hatfield’s and McCoy’s.  You do not need to live with the sellers problems.  Yes it may look like a great deal, but it may come with some emotional baggage.  Going to the closing table with a win-win seller makes for a great closing.

    7. Double Jeopardy – A contract is a contract!
    Buying a home is one of the largest purchases most people will make in their lifetime.  Avoid buyer’s remorse by being completely comfortable before signing on the dotted line.  Take your time.  Be patient as the right home will be there for you.  And when you see it, make the move.

    8.  A Penny Saved is a Penny Earned – Buy a Home Warranty
    A home warranty is designed to bring you “Peace of Mind.”  A home warranty is risk management providing coverage on the primary structure, major systems and appliances.  There are a number of firms that offer coverage.  Compare, research and buy.  Make sure you read the fine print and understand the process.  A home warranty can save your budget for pennies a day.

    Advantage Inspection Raleigh

    . . .  performs the Nation’s Best Home Inspection and provides the Nation’s Only “No Denied Claims Warranty” available in the industry. For the last 18 years, Advantage Inspection has been the deciding factor for the people we serve:  Buyers, Sellers, Real Estate Agents and Home Inspectors.  Advantage Inspection Raleigh serves Raleigh, Durham and the Triangle area.

    Dave Park

    Advantage Home Inspection Raleigh
    more than just an inspection company!”
    www.adrdu.com

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  • mount_everest“Tenzing called it the roar of a thousand tigers. Hour after hour it came in whining and screeching in an unrelenting stream ffrom the west with such feriocity it set the canvas of our small Pyramid tent cracking like a rifle range. We were 25,800 fett on the South Col, a desolate saddle between the upper slopes of Everest and Lhotse.” Sir Edmund Hillary.

    Sir Edmund Hillary live a bold life, filled with extraordinary accomplishments. High Adventure and View from the Summit are classic stories of the first ascent of Mount Everest. It is a story of incredible perserverance in the face of danger.  

    Sir Edmund’s challenges parallel our own challenges and perserverance today.

    Yes the challenges and adventures today in the home loan and home hunting forest !

    It seems like every day someone is asking about why it is so hard to get a real estate loan.  Just two years ago anyone, and I mean anyone, could get Everyday Loans to buy a house or condo. Well, the times have changed and rules from the lenders have changed right along with the times.  But who is writing the rules?  Why are the new rules a moving target?  Where can I find some answers?

    First find a great REALTOR.  realtor

    The right REALTOR is the key to household wealth, wide spread connections, certainty and Peace of Mind.  Your REALTOR should demonstrate clarity in their commitment to you, have easy to use interactive tools designed to provide you with personalized answers about the buying process and be an expert in public relations, marketing & advertising. 

    Your REALTOR will have a team of experts that will help in every step along the way.  Your REALTOR’s team will energize, focus and innovate into today’s fast-changing real estate environment.  In a world where every thing’s done at the speed of the Internet, valuable wisdom and disipline are gained from their experience.

    Sound to good to be true, well it’s not.  Just do your research.  The right Real Estate Professional will lower the hurdles in the buying race for your perfect home.

    Maverick Rules! 

    Leigh Carsen, a legal expert in Real Estate transactions states “the right inspector will be experienced, meticulous, plainspoken and ideally have a proven track record in your area.” Ask your agent for a recommendation or check for local members of the North Carolina Licensed Home Inspectors Association (www.NCLHIA.org) or the National Association of Certified Home Inspectors (www.nachi.org).

     Advantage Inspection Raleigh performs the Nation’s Best Home Inspection and provides the Nation’s Only “No Denied Claims Warranty” available in the industry. 

    For the last 18 years, Advantage Inspection has been the deciding factor for the people we serve:  Buyers, Sellers, Real Estate Agents and Home Inspectors.  Advantage Inspection Raleigh serves Raleigh, Durham and the Triangle area. 

    Advantage Inspection Raleigh

    more than just an inspection company!”

    www.adrdu.com

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  • Shipshape
    defn:  Leadership-the ability to guide, direct, or influence poeple.
    defn:  Craftsmanship-somebody who proforms with great skills and expertise. 

    True leaders deliver performance that is durable, that unifies staff, and treats them fairly. Leaders are intrinsically motivated to improve oneself and their organizations. True leadership is creating environments where excellence in performance becomes inevitable.

    I have seen this environment where excellence in performance is given each and every day. You can hear it in the receptionist; her smile is given over the phone. You can feel it in the post card; reaching out a helping hand. You can see it the habits; creating power not by fame, but power in true service.

    The leader of this environment is Linda Craft and along with her team, they create an environment where excellence in performance is inevitable. Linda fosters a spirit of teamwork that is critical to any organization’s success. And a key element is trust. Trust for the leader and trust for each other. Her team works at the speed of trust.

    Success is a very personal thing, but I think most people would agree that true success is about being fulfilled in LIFE. And, I feel there would be no greater feeling to look back toward the end of your career with a “smile in your heart” knowing that you made a positive difference in the lives of others.   

    Linda Craft and her team have made a difference in my life and I am sure whenever they decide to look back, they will smile.

    Maverick Rules!

    Dave Park
    The Maveick Builder

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