For Buyers

Let Us Do The Searching!

We are members of NORMLS and have direct access to all the listings in the area to help you find what you are looking for. Just fill out the form on the “Find Me A Property ” page, be specific as possible about your wants and needs and we'll send everything available in your price range directly to you!

Please take the time also to read some of our tips for buyers below.

Buyer Tips

Having a pre-approval from a lender will give the seller more confidence in your offer. This is also extra assurance in situations where you are competing with multiple offers on the same home. When making offers on REO property, 99% of the time it is required to have a pre-approval before an offer will be submitted.

When a lender reviews your loan package for approval, one of the things they are concerned about is the source of funds for your down payment and closing costs. In most cases, you will be asked to provide statements for the last two or three months (perhaps more) on any of your liquid assets. This includes checking accounts, savings accounts, money market funds, certificates of deposit, stock statements, mutual funds, and even your company 401K and retirement accounts.

If you have been moving money between accounts during that time, especially in large quantities the underwriter will probably require a paper trail of all your withdrawals and deposits. It is also possible you will be required to produce cancelled checks, deposit receipts, and other seemingly inconsequential data, which could get quite tedious.

While this may be frustrating for you, please remember they are doing what is required of them to prevent potential fraud. This is especially true in today's market where foreclosure at an all time high and loan officers are under increased scrutiny.