As an independently owned and operated Real Estate firm, I am dedicated to providing you with service that is professional, courteous and responsive in helping you find a property.
To fullfill this commitment, I agree to provide you with the following services.

1. Consult with you to determine your particular real estate needs. I will help you define your financial alibity to purchase, and explain alternative methods of purchasing and financing.

2. Explain local real estate procedures, including down- payments, closing cost, and purchase agreements.

3. Show you properties that meet your needs. This includes properties listed by other companies, in accordance with Fair Housing Regulations and ethical real Estate practices.

4. Help you familiarize with the ethical real estate practices.

5. Disclose material facts known about the property & give current information and conditions truthfully to make decision easily.

6. Assist you in arranging mortgage financing.

7. Assist you in preparing a purchase agreement, & help facilitate the preparation and conmpletion of all paper work pertaining to the purchase of your new property.

8. Promptly present all written offers to sellers.

9. Upon acceptance of an offer between you and the seller, I will monitor all escrow activities.

10. Keep you informed during the entire real estate purchase process.

* The Best Investment
* Income Tax Savings
* Stable Monthly Housing Costs
* Forced Savings
* Freedom and Individuality
* More Space

DON'T BUY A CAR!
or Did You Already Buy One?

WHY?

How a new car reduces your purchase power.

Example: Suppose you have a car payment of $400.

At current interest rates lower, but using (approximately 6.5% on a 30 year fixed rate loan for an example), you would qualify for about $64,000 less than if you did not have the car payment.

Even if you feel you can afford the car payment, mortgage companies approve your mortgage based on THEIR GUIDELINES, NOT YOURS.

Do not get discouraged. I can still help you get pre-qualified by a lender for your dream home.

If you have not already bought a car, remember one thing. Whenever the thought of buying a car enters your mind, think ahead, Think about buying a home first.

Buying a home is a much more important purchase when considering your future financial well being.

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