Call I and make an appointment for a free consultation with a Superior Homes Realtor. Yes, we will walk you through the entire process. We will show you how we can locate the best houses that meet your needs. We will show you how important home inspections are, and how you can get a warranty on the home you purchase. And most importantly we'll help you secure the best loan program for you. This meeting is strictly confidential and at no cost to you.

Knowing what the bank will approve you for is an important first step. However with so many banks, savings & loans and credit unions available it's difficult to know who has the best interest rate & program for you. Talk to a Superior Homes Realtor first. We can discuss your financial situation confidentially and direct you to the lender & loan that is best for you for free. Why get approved through one lender and then find out later that you could have secured a better rate or program through a different lender.

In some cases no money is needed for a down payment. Every $1000.00 down saves you approximately $6.50 a month on your house payment. Also it depends upon what house you buy and where you want your house payment. A Superior Homes Realtor can help you determine what kind of down payment (if any) is in your best interest.

Working with a realtor will save you time and most importantly money! It's our job to make sure the home you purchase is a good investment. Purchasing a home is usually the biggest financial investment of your lifetime. Why wouldn't you want an expert to look out for your best interests?

This will depend upon the house you want & the payment you want. Obviously the less interest paid the better. However if you get a 30-year loan with no prepayment penalty you can turn a 30-year loan into a 20-year loan with just one extra payment a year. This is a question that your Superior Homes agent will thoroughly review with you to determine what is in your best interest. And don't forget your interest paid on your home is tax deductible.

This depends on the company & realtor that you use. At Superior Homes Realty there is no cost, we accept whatever the seller offers as compensation. We will not make you sign a contract that obligates you to pay a fee whether you use our services or not. Be careful of what you sign when you meet a realtor. At Superior Homes Realty we will not ask you to sign a buyer broker contract.

This will depend upon your gross income and your monthly debt obligations. In addition it will depend upon what financing you choose. A Superior Homes Realtor will ask you what house payment your comfortable with and show you what you need to do (if anything) to get a bank to approve that amount for you. A good rule of thumb is 25% of your gross monthly income is typically what the bank will approve you for monthly. Also you can use our website mortgage calculator to help you.

As long as you have lived in the home as your primary residence, you should not have to pay any taxes on the proceeds you received. A Superior Homes Realtor can help you determine what is best for you and review all your options before you obligate yourself to something that isn't in your best interests. An Accountant can advise you the best about your tax situation.

A Superior Homes Realtor working for you will review auditor information and current neighborhood sales in that area with you to determine what price is fair or too much. We will help you make the right investment decision for you.

Absolutely, you need to know what you're buying. A good home inspector will uncover most hidden defects or problems that aren't readily apparent when just simply looking at the home. In addition a good inspector will review maintenance tips to ensure you maintain your home in good condition. A Superior Homes Realtor will show you how to secure the home you want, but make sure you get an inspection first before you're obligated to buy the home you want. In most cases the buyer pays for their home inspection which could cost anywhere from $175.00 to $350.00 depending on the inspector you choose.

It's a misunderstanding about this type of financing. Even though FHA or VA could require repairs; they do not inspect the home. The FHA/VA appraiser is there only to determine the value of the home. Always have a home inspection to make sure you know about the house you're buying.

Their job is to look out for your best interests! A Superior Homes Realtor working for you the buyer will represent your best interests and show you how to obtain a home at the least possible price. In addition all information shared with your Superior Homes Realtor remains strictly confidential. We work for you. For more information go to our Buyer Representation section on our web site.

The answer is no, I don't believe a perfect credit report exists. What a lender is looking for is do you handle your debt obligations responsibly. Typically one or two late payments or a collection won't stop you from owning your own home. A Superior Homes Realtor can review your credit report with you and determine if you're ready to move forward or if there is something that needs to be cleared up first.

A Superior Homes Realtor can obtain your credit report with your permission at no cost to you. Most importantly we will review it with you to make sure you have a clear understanding of what is on your credit report.

A lender will want to verify two years of employment! If you've had a recent job change, you're not on a probation period & if you stayed in the same profession you can buy a home. Your Superior Homes Realtor can show you how your employment will be verified by your lender. In most cases, one or two years of steady employment is sufficient.

If you filed bankruptcy and it's been two years since the date of discharge and you do not have any new derogatory credit you can get approved on a home loan. If you filed Chapter 13 you might be able to purchase a home within one year from the date of discharge. Collections are different, in most cases they must be paid. However, some lenders will overlook one or two collections. Your Superior Homes Realtor can help you determine what you need to do in order to get your loan approved.

A Superior Homes Realtor is knowledgeable and current on the programs and interest rates that are available. We can direct you to the interest rate and lender that best suits your needs.

No, a Superior Homes Realtor has access to every single home on the market! In addition we have information on all the builders, HUD Homes, foreclosures, bank owned and investment properties.

Yes, your Superior Homes Realtor will show you what first time buyer programs are available and which ones you qualify for. Typically throughout the year there is always lower interests rates or down payment assistance available to first time home buyers.

That depends on you! Your Superior Homes Realtor can show you how to speed up or slow down the process to make sure that your time restraints are met.

History has proven over the years that owning a home helps secure financial stability. It provides a home for your family at the same time it is the most important financial investment for your family. In most cases it can help you save thousands of dollars on your federal taxes. Let a Superior Homes Realtor show you how.

No, some lenders don't even require a down payment. A small investment can help you buy a home and still have a payment that is comfortable for your family.

Absolutely, keep in mind the builder you speak to represents the builder and their interests. Most all of the builders will cooperate with realtors and the home is the same price whether you use a realtor or not. A Superior Homes Realtor will represent your interests every step of the building process and look out for you. Use the advice of an expert to make sure your home is built to the highest standards.

Yes, A Superior Homes Realtor can help you with an owner selling their house themselves. Actually having your realtor involved will ensure your concerns are being addressed and ensure a smooth process.

Yes, your Superior Homes Realtor can show you how to provide alternative credit! The first time you borrow money can be for your first home.

That will depend if you're buying an existing home or if you're going to have a house built. Your Superior Homes Realtor can advise you when you should start actively looking.

This is a contract you have with your realtor. This contract obligates you to that realtor and if you purchase a home with or without them you still owe them a commission fee. At Superior Homes Realty let us show you a better way to work with a realtor, without a contract. Don't sign anything until you have spoken to a Superior Homes Realtor.

Yes, there is no age discrimination. It doesn't matter how old you are to get a 30-year loan. However, you must be at least 18 years old.

Yes, as long as it is a secured loan like against a car you own. You cannot borrow a down payment on a credit card. Some lenders do allow gifts! Talk to your Superior Homes Realtor to determine if a down payment is even necessary!

Your Superior Homes Realtor has access to all the homes on the market and will search to find the best ones for you. Just pick an agent from here.

Yes, your Superior Homes Realtor has access to all the homes in Franklin, Union, Delaware, Morrow, Knox, Madison, Perry, Licking and Fairfield counties.