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There are many reasons to buy real estate, pride of ownership, tax benefits, or an investment for the future. Whatever your reason may be, let us help you find your dream home today!
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When considering your mortgage, lenders look at a variety of factors, including your ability and willingness to repay the loan.
Your ability to repay is verified by your current employment and total income.
Your willingness to repay is closely related to how you've fulfilled previous financial commitments. This is why lenders place such an emphasis on your credit report.
It is important to remember that there are no rules carved in stone. Each applicant is handled on a case-by-case basis. So even if you come up a little short in one area, perhaps one of your stronger points will make up for the weak one. Always keep in mind that this is an expensive purchase. There are many loan companies who are willing to "lend" a hand.
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When designing and building your dream home, you’ll face hundreds of decisions. Remember that while countertops and paint colors are important, some of your most critical choices will involve your home’s structural components. Take the time to find the right team to help you build your new home. We also have some tips to keep in mind after you begin your build.
Select quality-minded contractors who are licensed, bonded and insured. Obtain references from sources you trust.
Insist upon quality workmanship, finishes and materials. Establish the standard of quality before reaching a price.
Make design choices that meet or exceed building code requirements. Remember, building codes exist for your protection, and they outline the minimum standards allowable.
Maintain detailed records of materials used, work performed and changes made. Take plenty of photos; you'll be glad you took the extra time to do so.
Consider the natural hazards your home will face: earthquake, wind, wildfire, hail or flood. Include these factors in the design and material selections of your new home.
Keep extra floor tiles, wall coverings, roofing and paint samples on hand should repairs become necessary.
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