I am your one stop shopping REALTOR regardless you are buying a REO,Foreclosure,new home or re sale. I do have a portfolio of lenders that will fit your needs.
Each lender has there strengths. The key is to understand your unique situation and point you to the right direction. To know more about me and how do I work please visit my Trulia profile.
I hope this helps! Regards,
Builders do offer their own lender but that shouldn't stop you from shopping an outside lender...sometimes the outside lender is able to compete with the builders lender. If not, at least you have more knowledge under your belt.
If you need any help finding a home or just want to have a custom search set up, I would be more than happy to assit you and provide a list of lenders for you to compare.
You can find me at :
Facebook : http://www.facebook.com/GinnieRealtor
RE/MAX Realty Center- Cypress TX
Happy House Hunting !
I am a Sr. Loan Officer/Branch Manager with Academy Mortgage Corporation in Houston, and I would be glad to talk with you more about a home loan. I would be glad to help you with the financing, and although I haven't worked with any of the Realtors below, I would love to, and can communicate directly with them to make sure we are a great fit and work together as team to make sure your overall homebuying experience is a great one!
Please feel free to contact me directly at your convenience.
E-mail is Addie.Sechelski@AcademyMortgage.com
You can also complete my on-line application on my secure website if you would like to start there. http://www.CloseWithAddie.com
I look forward to hearing from you soon!
Sr. Loan Officer/Branch Manager
Your first step is to interview at least 5 RealtorsÂ®! Find a FULL time realtorÂ® who has performed at least 15 transactions in the previous year, has participated in at least 3 new construction projects in the last 2 years. Then have the RealtorÂ® show you some desirable areas which fit your needs and have long term potential at appreciation. Demand the RealtorÂ® attend all meetings before, after and especially during construction this may be as many as 15 meetings, you need your representation at all meetings. As far as timetables go, typical is 4-6 months.
Picking a custom home builder is a lot like picking a realtorÂ®; you should interview several builders before making a decision. Do not solely rely on a referral from an agent! Do the work yourself and interview several. Hereâ€™s a short check list of questions to ask:
1) Ask for current client referrals, 3 should be no problem & follow up with each regarding quality of the home and how well the builder did in regard to warranty work after the sale.
2) Ask if the builder is willing to do a cost plus contract this will save you money if the builder is ethical and doesnâ€™t try to steal.
3) If you are obtaining financing ask about construction perm loans, these are one time closing loans and usually save the customer about 2,000 and may also have a tax benefit for you. It also allows you to see all the bills and control all the money.
4) Talk with the builders bank make sure the builder has the resources to complete the project
5) Do a basic background check on the builder look for items such as liens, bankruptcies, lawsuits different company names they are an officer in that are now insolvent and in the same industry.
6) Check with the local home builders association for a list of builders in the area
7) Energy cost are going up and the trend will continue pick an Energy Star home builder and have the home certified as an energy star home this will save you money over the long term, add quality to your home and help the resale down the road. For an energy star home expect to add 2-3% to the price of the home.
8) Ask to see a written copy of the home builders warranty program.
9) CONTRACTS- usually not a big deal and all 3 types work well the question is getting the best deal for you. The 3 types are: RealtorÂ® provided (these protect the interest of the agents & brokers), builder provided (these protect the interest of the builder and usually provide more detail in regard to dispute resolution) home owner provided (these are drawn up by your attorney and favor you in the event a dispute arises) many times a builder will want to use their contracts, itâ€™s usually fine just make sure your real estate attorney reviews the document before you sign.
10) Have fun!
Thatâ€™s your top ten list! Good Luck!
I work with several mortgage lenders. Builders have thier own lenders they work specifically. They will give you a discount usually if you use thier lenders. I would love to talk to more about helping you with your search for a home and lenders. Please feel free to contact me and we can talk, I have been a realtor for 19 years and I can set you in the right direction.
Dorene Callaway, Realtor
RE/MAX Realty Center