How much home can you afford? We
have tools for you.
Loan Amortization Calculator
Amortization Spreadsheet for Excel. The Excel version
includes a function to add in a number to account for extra payments you may want to
make annually. Don't have Excel? Download the Excel
Deciding What Kind of Home You Need
If you'd like a structured way to figure out what you're looking in in a home, please try
out our Home Finding
There are literally hundreds of points that you can negotiate in a real estate transaction,
and it is important to feel confident about negotiating with potential sellers, or there
may be a danger that a seller will talk you into agreeing to terms in a contract that
are not in your best interest.
There are many potential points that can protect and enhance your purchase, including
financing and home inspection contingencies. Most purchase contracts, even if they are
standard documents, contain boilerplate language that may not fit your situation and may
in fact be unfavorable to you. Your Real Estate agent will explain
the language, so that you can make an educated decision in order to make the best possible
There are two types of contingencies found in most transactions-a financing contingency,
which makes the purchase conditional on the buyers' ability to obtain a loan from a lender,
and an inspection contingency, which allows the buyers to have professionals inspect
the property to determine potential property issues prior to entering a binding contract
to purchase. You could forfeit your Earnest Money deposit under certain circumstances,
such as by terminating a purchase without legal reasons provided for in the contract.
order to protect your position, your Real Estate agent
see that the purchase contract contains provisions which protect your purchase interests,
including a clear and marketable title, having the seller agree to maintain the property
in its present condition until closing and making any agreed-upon repairs to the property.
Deciding what stays with the property is a negotiable item. If sellers want to take fixed
items out of a house, they must specify so in the sales agreement. Appliances that are
not built in such as washer, dryer, refrigerator, portable dishwasher, portable microwave,
and freestanding stove are not automatically included in the real property, just as anything
is else not permanently attached to the property.
Earnest Money Deposit
This is a deposit paid by the prospective buyer of real property as evidence of the good
faith intention to complete the transaction. The amount can vary, depending on the value
of the property, and it serves as a source of payment of damages to the seller if the
buyer defaults. The amount of earnest money may also play into the negotiation strategy
your Real Estate agent employs. Once the offer is mutually accepted,
the earnest money is held in trust by either the listing agent firm or the selling agent
firm and is credited toward the buyer's purchase price at closing. If closing fails to
occur, the defaulting party may lose any claim they have to the earnest money deposit.
Preparing to move in
Moving can be stressful, here
are some things you may not have considered.
First, you should know that by this point you NEED TO ALREADY HAVE
You have purchased your new home, now the real fun
and excitement begins. Packing your boxes is not all that you will need to do. As a full
service Realtor®, I will be glad to help you find local services and answer any questions
you may have about moving into your new home. Use this list to help make your moving experience
a pleasurable one.
Begin new services, transfer existing services, discontinue old services
- Natural gas
Change your address
- Post office
- Newspaper subscriptions
- Magazine subscriptions
- Credit cards
- Friends and Family
- Visit USPS.com for help with all this!
Secure moving and storage
- Purchase boxes and packing material
- Hire moving company/ Rent a truck
- Rent storage unit
New home improvements
Add new amenities