Rathbun Area Homes Buying Service

Buying a home is one of the biggest investments that most people will ever make in their life. There are many questions you may have before purchasing a home? How and when should we choose a mortgage lender? What neighborhoods and schools are best for our family? What size and style of home do we want and need? Every family is unique and has different questions and we understand that We work with every family individually to find out what is most important to you. Keeping your best interest at mind, we will design a strategy to match your family’s needs and desires with the right home in the right neighborhood. Our website is designed to be a powerful tool to help you start the process, but we are excited to step in and help answer the many questions that you may have.

6 Tips for First Time Home Buyer's

1. Check the selling prices of comparable homes in the neighborhoods that you are interested in.  The advanced search engine on this website is designed to give you easy access to every MLS listing in every community in the Rathbun Area.  
2. Figure out what you can afford.  Use a mortgage calculator to see what your payment would be.  Talking to a mortgage lender will give you the clearest picture.  
3. Calculate your total monthly housing cost including homeowner’s insurance and property taxes.  To get a better idea for home much you should budget for your housing expenses use an online home affordability calculator.  
4. Look at your financial situation and how a home fits in your budget.  Fannie Mae suggests spending no more than 28% of your monthly income on housing costs.  
5. Find out how much you’ll likely pay in closing cost.  These upfront costs of purchasing your home shouldn’t be overlooked.
6. Talk to a reputable real estate agent that is in the Rathbun Area.  Choosing a Realtor who has your best interest at mind makes all the difference.  A good Realtor will walk, guide you through the home buying process from the beginning to the end and allow you to focus on finding the home of your dreams.  

4 Reason Why NOW is a Great Time to Buy a Home

1. Home Prices are still a good value. The real estate market is getting healthier; many places in the country have started to rise and should soon in our area as well.
2. Rates are pretty low By Historical Standards. Rates are below the historical average. No one really knows what to expect with interest rates in the future, but it's almost certain they won't go down significantly! Take advantage of historically low rates while you can!
3. It's getting easier to get a mortgage- After the credit crunch, lenders have been slow to open their doors to less than stellar borrowers. There are signs that banks are starting to relax requirements on down payments, debt to income ratio and credit scores. Banks are even starting to work with people who sold in a short sale, went through foreclosure or filed bankruptcy.
4. Buying is cheaper than renting. You need to go over the numbers, but in almost all cases it is cheaper to buy than to rent. Rental rates go up over time; your fixed rate, low interest mortgage will stay the same for up to 30 years.