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Judy Goodman's Blog

By Judy Goodman | Agent in Clarksville, TN
  • Keller Williams Realty | Judy Goodman REALTOR

    Posted Under: Market Conditions, Home Buying, Home Selling  |  January 13, 2013 10:01 AM  |  150 views  |  No comments

    Keller Williams Realty | Judy Goodman REALTOR  256-258-8555

    There are aspects of real estate sales that seem pretty simple however there are many elements of a smooth transaction that can be complicated and daunting…this is why you need an experienced professional to assist you. I can help you with every aspect of buying or selling your home because I’m experienced, because I’m professional . . . and because I care.

    As a Certified Residential Specialist (CRS), I know how to balance all the details of the real estate transaction. From contract to closing, my goal is to manage the process so you can focus on your move. Whether it is scheduling inspections or meeting repair people at your home, I am there to assist you every step of the way.

    Having moved on average every 3 years, moving was not a new experience to me. I specialize in assisting military families relocating to the Huntsville/Redstone area because I understand the problems with military moves because I lived it! Whether you are moving across the country, across town or across the street, my experience is your advantage…call me today or visit www.HomesHuntsvilleAL.com

    Are you relocating to the Huntsville/Madison Al area? Are you a first time home buyer? Do you want to up-size, downsize or just move across town? If so wouldn't you prefer to have a knowledgeable Realtor helping you navigate the home buying or selling experience? The please contact me for a consultation with no obligation. I look forward to hearing for you!
    Judy Goodman Team of Keller Williams Realty Madison AL
    Keller Williams Realty Madison 1593 A Hughes Road Madison, AL 35758
    Selling your home? Contact us at 253-258-8555
    Searching for a new home?  You can start your search below:
    Madison City | Huntsville | Huntsville South | Huntsville East | Harvest/Monrovia | Madison County NE | Madison County NW | Mountain Cove | New Market/Riverton | Owens Crossroads | Wheeler

    Connect with us: 

    Judy Goodman Team on FacebookJudy Goodman Team on TwitterJudy Goodman Team on Google PlusJudy Goodman Team on LinkenInJudy Goodman Team on You TubeJudy Goodman Tean Listing BlogJudy Goodman Team on WordPressJudy Goodman Team on Blogger
  • Homes Huntsville AL - Get Listed

    Posted Under: Home Selling in Huntsville  |  December 22, 2012 8:55 AM  |  144 views  |  No comments
    HomesHuntsvilleAL.com - Judy Goodman Team - 256-258-8555
    Homes Huntsville AL - Get ListedCall the Judy Goodman Team at 256-258-8555 to "Get Listed"!

    Homes Huntsville AL - Get Listed is ready to showcase your home and get it sold.

    Did you know that most home buyers start their home search on the Internet first.

    Doesn't it make sense then to list your home with a tech savvy agent to reach the most buyers on the most real estate sites.

    If you are serious about not only listing your home but getting it sold call me, Judy Goodman, at 256-258-8555 for your "no obligation" listing consultation.


    Are you relocating to the Huntsville/Madison Al area? Are you a first time home buyer? Do you want to up-size, downsize or just move across town? If so wouldn't you prefer to have a knowledgeable Realtor helping you navigate the home buying or selling experience? The please contact me for a consultation with no obligation. I look forward to hearing for you!
    Judy Goodman Team of Keller Williams Realty Madison AL
    Keller Williams Realty Madison 1593 A Hughes Road Madison, AL 35758

    Selling your home? Contact us at 253-258-8555

    Searching for a new home?  You can start your search below:

    Madison City | Huntsville | Huntsville South | Huntsville East | Harvest/Monrovia | Madison County NE | Madison County NW | Mountain Cove | New Market/Riverton | Owens Crossroads | Wheeler

    Connect with us: 

    Judy Goodman Team on FacebookJudy Goodman Team on TwitterJudy Goodman Team on Google PlusJudy Goodman Team on LinkenInJudy Goodman Team on You TubeJudy Goodman Tean Listing BlogJudy Goodman Team on WordpressJudy Goodman Team on Blogger



  • What are closing costs?

    Posted Under: Financing in Clarksville  |  January 25, 2011 4:48 PM  |  236 views  |  No comments
    Claoing Costs in Clarksville TN

    What are closing costs?


    Closing costs are generally standard fees you will pay when you get a mortgage. It doesn’t matter if you are looking at houses in Clarksville TN or any other city in the US. If you are getting a mortgage, there are closing costs. Even if you are paying cash, there are some closing costs, but they are less than the costs you will pay when you get a mortgage.

     

    But what are they? What does ‘closing costs’ mean? The term is thrown at most buyers like they should know what it means and quite frankly the new HUD1 settlement statement does not do what the government intended it to do. It does not make your closing costs easier to figure out. Closing costs really are just what they sound like: they are the costs of closing your loan and closing the purchase transaction. (There are also closing costs if you refinance your house.)

     

    When you buy a house in Clarksville TN or anywhere else, there are a lot of people involved in the transaction that need to get paid for their work. The appraiser, the loan officer or the bank, and the title company are a few of these people. Some people are not paid through the closing costs. These are the realtors. The realtors are paid by the seller a portion of the purchase price of the house.

     

    The closing costs consist of the following:

    -   The appraisal

    -   The lender’s fees

    -   The title companies fees

    -   Taxes and fees to record the mortgage

    -   Flood certification fee

    -   Your credit report fee

     

    Some of these can be broken down further, but in an effort to keep this simple, let’s go with these. Some of these fees are flat fees, and some are based on the purchase price of the house you are buying. These can also vary from region to region, so if you are looking at houses in Clarksville TN and you are comparing to your brother’s closing cost on a house in Florida, the closing costs might be a little different. Some states also require a survey on every transaction and this would add to the fees.

     

    Who pays the closing costs?

    This is really the bigger question in a lot of ways, but in the end the buyer really pays them. You can ask the seller to ‘pay’ the closing costs. Basically, that means they you are going to finance that much more. When the seller pays the closing costs they are not going to give you the same price on the house as if you were paying the closing costs yourself. The big difference is when you pay them you pay them out of your pocket. You typically cannot finance them. (Some loans will allow you to finance closing costs if the seller will not pay them, as long as the house appraised at a high enough value.) Your loan officer will explain this to you in detail and you should require them to do that.

     

    Origination Fee: What is this?

    The new Good Faith Estimate requires mortgage lenders to disclose how much they are going to earn from your loan. This is not equal for all mortgage lenders. Banks are not required to disclose this to you in the same way mortgage brokers must. Unfortunately, the new Good Faith Estimate is more difficult to understand than the one that was used prior to 2010. But here is what you need to know. The broker is more than likely going to charge you an origination fee. Typically it is 1% of the loan. The mortgage lender makes a certain amount of money based on the interest rate they give you for your loan. Not all lenders will give the same rate to you. I know this might be a little confusing, but I am telling you this so you may get the best deal you can. A .25% addition or reduction to your interest rate will not look like much in terms of your monthly payment, but over time it is thousands of dollars. Get yourself the best deal. Be polite but a bit blunt with your loan officer and find out.

     

    Good luck with purchasing a house in Clarksville TN!
    Judy Goodman of Keller Williams Realty Clarksville TN

 
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