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Real Estate Tips

Welcome > Resources > Tips > First Time Buyers > Finding A Loan ...

Finding A Loan

There are two important steps preliminary to becoming a homeowner. First you must find the right home and negotiate the price and terms with the sellers. Then you come to one of the most difficult parts of the transaction--finding the perfect loan.

You should do some comparison shopping among lenders. Your real estate agent can refer you to several reputable lending institutions which should be able to complete the loan process before your proposed financial approval date. The loan officer will take your application and have you sign all the necessary papers to authorize credit and employment verifications. You and the real estate agent should get periodic progress reports to make sure that all of the details are taken care of. Such reports will help to ensure that any potential problems are discovered and addressed before they can hinder the transaction.

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Real Estate Tips

Animal House >Termites

Most home purchase agreements have clauses that deal with termites. After the agreement is ratified, a termite inspection is arranged. Before the closing can occur, the sellers must be able to produce papers signed by a licensed exterminator stating that the house is free of infestation and that any termite damage has been repaired.

Before you sign an agreement to buy or sell a home, you should read the termite clause and be sure that you understand it. Who selects the exterminator and pays for the inspection? If bugs are found, who pays for the treatment? Are the sellers obligated to repair any damage and have they placed a limit of the dollar amount they will spend on those repairs? If treatment is required, the buyers may want a chance to discuss the options with the pest control company, especially if someone in the family is sensitive to the chemicals used to control the termites. Ask about the exterminator's guarantees or service contract options.

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Real Estate Trivia

Q	Which islands are considered the largest islands in the US?
A	The Hawaiian Islands with 10,456 square miles are followed by Kodiak Island in Alaska at 9,510 square miles.
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Fawn Brents, REALTORŽ, real estate agent and broker for Lee's Summit, Raymore and Kansas City, Missouri home listings, property and land for sale - NUMBER1EXPERT

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At Kansas City Real Estate, Inc., we know Kansas City! You can rely on our expertise and market knowledge to navigate you through the sale or purchase of a home. If you are a Seller, our proven marketing plan can help you sell your home in record time. And if you are a Buyer, all of our agents are can assist you in finding the Kansas City community that fits your lifestyle. Call...stop in...e-mail us today!

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