For Buyers

For Buyers

For Buyers

For Buyers

For Buyers

For Buyers

Property ownership is an excellent investment whether you are looking for your dream home, a rental property, or to expand your investment portfolio. Owning real estate is one of the least risky ways to build equity or to obtain a greater return on your initial investment.

Buying a property requires making many important financial decisions, understanding complex issues and completing a lot of paperwork. It helps to have an expert in your corner when undertaking such a large purchase. We can guide you through this process, and also provide you with access to property listings before they hit the general market. Steve Springer and his team listen to your needs. Years of working with buyers have given them the tools needed to understand buyers’ specific needs. They are always there for you to answer any questions you have and protect your best interests. In addition, Springer is a Certfied Negotiation Expert (CNE®), which gives him a powerful competitive edge in helping you buy or sell your home. (For more information on what a CNE® certification is, click here.)

Before you buy, start to build your green file. A green file contains all your important financial documents. You will need it to secure financing for your property. The typical green file should contain:

  • Financial statements

  • Bank accounts

  • Investments

  • Credit cards

  • Auto loans

  • Recent pay stubs

  • Tax returns for two years

  • Copies of leases for investment properties

  • 401K statements, life insurance, stocks, bonds, and mutual account information

Once you have picked out the property you want to purchase, your real estate agent can help you make an offer that the seller will accept. A good agent will investigate the potential costs and expenses associated with the new property. An agent can also help you draft your offer in a way that gives you the advantage over another offer.

We are ready to assist you should an unforeseen glitch pop up, even in the final stages of purchasing or moving. For example, if something at the property breaks down, or some other minor detail goes awry – no need to worry. We have encountered these problems before so we know how to handle them efficiently and in a stress-free manor.

​​​​​​​When it’s time to finalize your purchase, the closing agent will furnish all parties involved with a settlement statement, which summarizes and details the financial transactions enacted in the process. You and the seller(s) will sign this statement, as well as the closing agent, certifying its accuracy. If you are obtaining financing, you will have to sign all pertinent documentation required by the lending institution. If you are unable to attend the scheduled closing, arrangements can be made depending on the circumstances and the notice that we receive. If you are bringing funds to the transaction, you can elect to either have the funds wired electronically into the closing agent’s escrow account, or bring a certified bank check to the closing in the amount specified on the settlement statement. The seller should arrange to have all property keys and any other important information for you at the closing so that you may receive these items at this time.

This mortgage calculator can be used to figure out monthly payments of a home mortgage loan, based on the home's sale price, the term of the loan desired, buyer's down payment percentage, and the loan's interest rate. This calculator factors in PMI (Private Mortgage Insurance) for loans where less than 20% is put as a down payment. Also taken into consideration are the town property taxes, and their effect on the total monthly mortgage payment.

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