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Finding the perfect house!

Once you’ve evaluated your priorities, it’s time to hit the streets with your search criteria. If you’ve done your preparation to get to this point, the actual physical search for your home can be short and sweet. Here’s the process we follow to find the homes that meet your guidelines: The first thing we will do is put the given specifics into the computer. Within a few minutes with the aide of MLS (Multiple Listings Service) we will be able to print out a listing of the houses that match the desired profile. When we determine which properties you actually want to view, in keeping with our plan, be sure to bring a small notebook so you can make a record of critical details for each of the homes we visit. For each house you visit that appeals to you, make sure to obtain the answers to the following questions: General Is the asking price comparable to other houses in the neighborhood? If not, is it higher or lower? Is the existing mortgage assumable? What is required down payment amount? What are the annual property taxes? Will the taxes increase with the transfer of deed and a new market price? Outside What is the address of property? Is the yard size suitable? Are there landscape details? What is the level of grounds maintenance that will be required? • What is the age of the home, and does it look it? What is the structural condition? Are any visible major repairs or improvements that should be made? Neighborhood Focus What is the general appearance? Are the homes well maintained? What are the main types/styles of homes? Do the homes appear to be “newer” or “older”? • How far apart are the houses? How well are the lawns maintained? Are there many visible property enhancements such as swimming pools, fences, decks and patios or extensive landscaping? Are vehicles primarily parked in garages and driveways, or are they parked on the street? Are there emergency personnel stations such as fire and police close by? How close is the nearest hospital? What are the local ordinances in regard to pets, parking, lawns, etc.? Inside -(Make a sketch of floor plan) What is the total number of rooms and baths on each floor? Any there extra features such as an intercom, security system, central air, or multiple fireplaces? Are the appliances built in? Is there adequate insulation? Is there weather stripping or storm windows? Major Systems What is the age/condition of each major system (plumbing, electrical, heating, and cooling)? What type of fuel is the home heated with? What is the average monthly utility cost?

Do not be surprised if the perfect house is the first one you visit. On the other hand, do not be disappointed if, after looking at a dozen houses, you still have not found the right one for you. We will keep looking until we find the house that you want to call home!

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Todays Rates* May.17.2008

30yr fixed- 5/1 ARM- 3/1 ARM- JUMBO-	5.50 5.00 5.25 6.75	% % % %

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