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Information for Buyers

With the right real estate agent, buying a home can be an exciting experience.  Janet focuses on your requirements to make this happen!  

First-Time Buyers The home-buying process can be overwhelming to many first-time buyers.  For more information, visit my alternate resources section by clicking here

You can also shortcut the process by contacting Janet and learning where to focus your efforts.  

   
Experienced Buyers Already know the ropes?  Check out my New Listings, search MLS, or sign-up with the Virtual Agent to receive emails on new properties.

As always, you can contact Janet for direct, personalized service.

   
New Construction? Interested in a brand new home?  Search availability by clicking here.
   
Leasing Need to lease at the present time?  Search some options by clicking here.  
   
Mortgage Programs The mortgage lending industry has a wide variety of programs available, however, you may find that only a few meet your specific situation.  

Checkout my mortgage resource page for more information by clicking here.

For your convenience, there is also an online mortgage calculator located below on this page.

Need a mortgage industry contact?  Call Janet at 214-658-4401!

   
Down Payments The amount of cash required to buy a home may be less than was traditionally required.  In the past, mortgage lenders required at least a 20% down payment.  Today, special programs and Private Mortgage Insurance make lower down payments available.

Not everyone can obtain the low down payment programs as these loans may require better credit history and more strict income requirements.  

   
Credit Scores Three national credit bureaus maintain files on a person's credit history and create a credit score from a complex list of factors.  

A high credit score generally makes you eligible for the lowest rates and a greater availability of loans.  Low credit scores typically mean higher interest rates and a longer time in locating a source of funding.

   
Private Mortgage Insurance Private Mortgage Insurance (PMI) is a type of insurance that helps protect lenders from foreclosure losses and allows lenders to accept lower down payments.

Generally, if you are applying less than 20% down, you will be required to purchase PMI and the premiums will be added to your periodic payment.

   
Title Insurance Title insurance aids in protecting you against any outstanding liens against the property, easements, or other issues that may affect your rights of ownership and use of the property.

The policy is issued after a search of public record that shows the condition of the recorded title.

   

 

Online Mortgage Calculator - Use the calculator below to estimate your payments based on loan term and interest rates. (For illustration purposes only.  Do not use for financial decision-making.)  More calculators located here.


Input Here

Years:

Interest:

Loan Amount:

Annual Tax:

Annual Insurance:

Results

Monthly Principal + Interest

Monthly Tax

Monthly Ins

Total Payment


*Note that the above Total Monthly Payment does not include Private Mortgage Insurance (PMI). PMI may be required if the loan amount exceeds 80% of the total value (i.e. less than 20% down payment).

 

National Credit Bureaus

Equifax
PO Box 105873
Atlanta, GA 30348
800-658-1111
Experian
PO Box 8030
Layton, UT 84041
800-520-1221
Trans-Union
PO Box 390
Springfield, PA 19064
800-916-8800

 

Need more information on mortgages?  Click here for access to volumes of information compliments of Janet King.

 

 

 

 

 

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Links and additional information provided by other companies are complimentary with rights belonging to the appropriate owner.
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