You will have closing costs which they call "settlement cost", they will be minimal because you do not have a loan. By paying cash you will save $$ in many ways. You will not have to pay the fees and charges that are associated with obtaining a loan but all other charges and fees will apply.
Reference Link: http://titlecompanies.net/... more
My recommendation would be for you to contact a reputable realtor. He or she can reference the Marion MLS to locate properties within Pleasant School District.
As a local mortgage lender here in Marion, I can tell you that there are a good number of homes on the market--both foreclosures and private seller listings--that are great values.
If you are interested in obtaining a preapproval letter or discussing your financing options, feel free to give me a call at 740-383-5281 EXT 5659 or stop by one of the branches (Marion East--located in front of Wal-Mart on Route 95 and Marion-West--located on Campell Road near the Whirlpool plant).
Goood luck in your search!
Mortgage Loan Originator
United Federal Credit Union... more
Hello Mary, I would love to assist you in finding your new home. We can meet so I can get to know you a little better and find out exactly what you are looking for in your new home. This will help me so I will be able to narrow down the search and only take you to homes that should interest you! I was born and raised in Marion so I am very familiar with the area. Please feel free to contact me anytime on my cell phone at 740-262-6987. Thank you in advance, Amy... more
It doesnâ€™t matter how much a prospect loves the home if they canâ€™t afford the payment. Find an experienced loan officer (5+ years in the business) and learn the basics on the types of loans available in your area. I use OneNote 2010 to organize EVERYTHING, sync it in the cloud and can access it from any computer. Have notebook for Financing and one section in this book for each loan program, every time you learn something new or have a financing problem make a note in the proper section.
Have a second notebook for your listings, a separate section for each listing, keep all of your records for everything on pages in the section for the listing. You can even print emails and send them to the listing section, will really be helpful if you ever have a problem.
Third notebook on marketing ideas, tasks, etc. whenever you see a good idea, send it to this book.
Open houses â€“ most agents will tell you they are a waste of time. If you do them the same way everyone else does them it probably is. I worked them when I first got started as a loan officer, great way to meet buyers and sellers. Just make sure you have a system in place to get the word out prior to the event and then a capture system to get contact info. Also have several call back reasons prepared in advance so you can talk up the reason during the open house. The more compelling the reasons, the better response you will receive. You probably see where this is going, thinking about what you do prior to doing it will put you ahead of the pack.
Leave a trail behind you wherever you go, instead of a business card use small postcards, can get them done cheaply at places like Vista Print. Never, ever print one without a strong call to action.
Do NOT act like an indentured servant just because you are a full service Realtor, team up with your seller clients to help market their home. Yeah, I know, everyone will tell you this idea isnâ€™t consistent with being full service. As opposed to having them work against you? - Something I see often!! No one is more willing to help than your client that really wants to sell their home. Itâ€™s all in how you ask for their help.
Finally, this one will double your income!! Never tell a prospect to call your loan officer, get their permission to have your lender call them. This one little trick will double your income. Unless they are a cash buyer they will need to arrange financing to complete the purchase. Many, many prospects are afraid to take the first step and will procrastinate, your loan officer/teammate will not. They will bat 100% and keep calling until they reach the prospect. By having a strong relationship with your loan officer you can be plugged in much better than your competitors. For some reason this simple little step is the hardest one for a Realtor to get comfortable with yet it makes a dramatic difference in the close ratio.... more