Posts with tag 'Homebuying help'

Sprague & Curtis Real Estate Blog

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January
27

Moving Your PetsWe understand that cats, dogs, and other pets are important parts of your family. Many of our real estate agents are pet owners. When we show Augusta homes for sale, we know how to find properties that have plenty of space for your furry friends.

Just like people, pets become attached to their homes. It can be difficult for them to accept the changes that come with a move. If you take extra steps to reduce their stress, you are less likely to encounter unusual problem behavior.

Here's how you can meet their needs better during your big move:

  1. Prepare Your Pet for the Big Day
    Before making a final selection of a new home, be sure your pet has a collar with identification. Update any microchip tracking services and, if you are switching veterinarians, collect current vet records. If possible, keep your pet close by rather than using a boarding facility.

    Click Here to Read More...

August
12

Self-Employed Mortgage - Sprague & Curtis Real Estate

If you're self-employed and considering buying a home, our real estate agents are trained to help you through the maze of red tape associated with obtaining a mortgage. More than anything, you've got to have your paperwork in order, to satisfy the mortgage company's requirements. Being self-employed adds an extra layer to this process. 

Lenders don't make special requirements for self-employed home buyers, although it may seem like it. Regardless of where you work, they ask for proof that you are financially solvent. This includes confirmation of steady income, a good credit rating, and a low debt to income ratio. 

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July
8

Final Walk-Through - Sprague & Curtis

Exciting thoughts of settling into your new home can distract you from the details you need to focus on during the final walk-through. While most major problems will be discovered during a home inspection, a final walk-through gives you a chance to go through the property once it's cleared out to verify that everything is in the condition you expect. 

To help you during the final walk-through of your home, Our real estate agents have prepared this easy to follow checklist for you to print off and follow as you go through the property.

Before the Walk-Through:

  • Print a copy of your contract and inspection summary.
  • Grab a notepad, your phone, phone charger, flashlight, & light bulb.
  • Confirm time with your real estate agent. 

    Click Here to Read More...

May
20

Home Inspection Issues-Sprague & Curtis Real Estate

When you were in school, a failing grade remained on your permanent record. Fortunately, as a home buyer, you don't need to despair if there less-than-favorable results on a home inspection report. 

Our real estate agents have extensive experience helping buyers understand and work through common problems uncovered by home inspection reports on Augusta homes for sale. Take these proactive steps before deciding the report is a deal-breaker.

  • Include a Well-Written Inspection Clause
    Groundwork should be laid before the inspection even takes place. Many sale agreements provide latitude for a buyer to have an inspection completed, but there are no consequences for the seller. Make sure the home inspection clause includes recourse for a problematic report, such as renegotiating the price or walking away if you're not satisfied.

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March
11

Spring Home Bidding-Sprague and Curtis

Birds are chirping and blossoms are beginning to emerge. Just as Mother Nature awakens from her long winter snooze, home buyers around Augusta, Maine are emerging from their homes to take a peek at the beautiful Augusta homes for sale this season. This can create competition for property and buying the home of your dreams requires strategic planning on your part. If you want to submit the right bid at the right time, the following are five tips for successful springtime home bidding we recommend.

  1. Secure Pre-approval Locally
    Securing pre-approval shows the seller that you have the ability to purchase the home. This puts them at ease and gives you a little leverage to negotiate. When you secure the pre-approval from a local lender, you're likely to receive preference over competitors who have pre-approvals from online or out-of-area lenders.

    Don't forget to polish your credit before you go in to secure a mortgage preapproval. Make sure that the information is accurate and that any discrepancies are addressed. It's also advisable to pay as much of your debt down and take steps to improve your debt-to-income ratio.

    Click Here to Read More...

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