First time Michigan home buyer

Are you a First time Michigan Home buyer? Making the decision to buy a Michigan Home can be confusing and overwhelming at first.  After all it is something totally new for you.  That is why it is important to get an Real estate agent and mortgage person you can trust.  This is the beginning of a process that will find a home that suits your needs.  Here is a simple overview of what to expect.  You probably started the home buying process in one of many ways: you saw a Wayne County home,  (an Oakland County Home,  or Livingston County Home ) you were interested in buying.  Or you consulted a lender to figure out how much money you could borrow before you found a Wayne County home,  (an Oakland County Home,  or Livingston County Home ) (sometimes called pre-qualifying).  May be you saw an ad, or are getting married, or just wanted to stop renting may be one of the reasons you want to buy a home. The first steps are: look on line at homes, find an agent that will work in your best interest, think about what kind of payment you can afford, what areas you want to live in.  You need to think about these things first yourself/  Then adjust as you see homes and talk to your real estate agent and mortgage person. The next step is to have listings sent to you by email (you can email me at info@RussRavary.com for a list of Michigan Homes that fit your needs.)   Then you go out at your convenience and look at the homes with a realtor.  You narrow down the list of homes you like to one. .The next step is put in an offer to purchase a home and to sign an agreement of sale with the seller, followed by applying for a loan to purchase your new home. The final step is called ´´settlement´´ or ´´closing,´´ where the legal title to the property is transferred to you.   At each of these steps you often have the opportunity to negotiate the price, the terms, conditions and costs to your advantage. You will also need to shop carefully to get the best value for your money. There is no standard home buying process used in all localities.  Buying and Financing A Home For a buyer… Your local Metro Detroit real estate agent is frequently, the first person you consult about buying a Wayne County home,  (an Oakland County Home,  or Livingston County Home ) Your agent may have grown up in metro Detroit and knows the area.  You want an expert in the area.  One who knows the prices and the neighborhood.  However, you can hire your own local Metro Detroit real estate agent, known as a buyer´s agent, to represent your interests. In Michigan, agents and brokers are allowed to represent both buyer and seller. Even if the local Metro Detroit real estate broker represents the seller, state and local Michigan real estate licensing laws usually require that the broker treat you fairly, and honestly. If you have any questions concerning the behavior of an agent or broker, you should contact your Michigan´s Real Estate licensing department. Sometimes, the local Metro Detroit real estate agent will offer to provide you with 3 local mortgage professionals to help you obtain a mortgage loan. He or she may also recommend that you deal with a particular lender, title company, attorney or settlement/closing agent. You are not required to follow the local Metro Detroit real estate broker´s recommendation. You should compare the costs and services offered by other providers with those recommended by the local Metro Detroit real estate broker.  If you are looking for an honest agent that will work hard for you to help you find a home that you like, that fits your needs, at a great price.  Call me at (313) 310-9855 cell or (734) 414-3261 office or email me at info@RussRavary.com  I can help you find your Metro Detroit dream home with a great price.  For more Michigan Home Buyers tips or to search Michigan Homes for sale go to my website www.RussRavary.com            Whether it is in a Livonia subdivision, Northville subdivision, Detroit, or Farmington Hills I can help you find a home in any metro Detroit suburb.  Give me a call!  Have a great day!