VALUE A REALTOR BRINGS
1. Save Money by working with a full time, professional
2. Save time in finding appropriate properties
3. Help you determine your financial qualifications
4. Offer a wide variety of properties in your price range
5. Show you properties in an efficient way
6. Write up a Purchase Agreement that reflects your desires
7. Negotiate a 'Super Deal'
8. Assist with inspection information
9. Educate you as a buyer through the process
10. Keep you up-to-date & provide regular progress reports
11. Return your phone calls/emails in a timely manner
YOUR HOME FEATURE CHECKLIST 1. What price range home are you looking for? 2. What neighborhood would you prefer? 3. Is there a school system you would prefer? 4. Commute distance to work, school, shopping, etc? 5. Whaty syle of home interests you? 6. How much repair/renovation would you be willing to do? 7. Do you have special needs that your home must fulfill? 8. Do you require a fenced yard for pets or children? 9. What are your hobbies & interests? 10. Would this affect your living location? |
| | MUST HAVE | WOULD PREFER | NO Preference |
| Bedrooms | | | |
| Bathrooms | | | |
| Garage | | | |
| Deck/Patio | | | |
| Kitchen Features | | | |
| Family Room | | | |
| Flooring Type | | | |
| Basement | | | |
| Fireplace | | | |
| Air Conditioning | | | |
| Heating Type | | | |
| Landscape | | | |
| Lot Size | | | |
| Land/Acres | | | |
BUYING A HOME? - COSTS TO CONSIDER
|
| BEFORE CLOSING EXPENSES |
| $500-$2500 | Earnest Money |
| $200-$300 | Home Inspection |
| $300-$450 | Appraisal Fee |
| $500-$3000 | Home Owner's Insurance (1st full yr) |
| CLOSING COSTS |
| 1% of Loan | Loan Origination Fee |
| $30 - $60 | Credit Report |
| (prorated) | Property Taxes for the home |
| $200-$500 | Closing (Title Co.) |
| $40 | County Recording Fee |
| $250 | Underwriting Fee |
| $50-$60 | Plat Drawing (if required) |
| $1.15/$500 loan | Mortgage Registration Tax |
| Private Mortgage Insurance |
* Please also note that if your new home is within the city limits of Duluth,
you will also be asked for a security deposit with your utility application
from the City (Comfort Systems).