reconnect home buyers guide

7/31/2019 Reconnect Home Buyers Guide

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The home buying process a brie, step-by-step overview... 2

A home buyers glossary................................................................... 8

To buy or not to buy considerations or frst-time home

buyers in this market .......................................................................... 13

The loan process fnancing your home purchase ................... 17

Successully negotiating the deal................................................... 22

Expect great service rom your

real estate proessional .................................................................... 26

Home search worksheet.................................................................. 28

Contents


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I youre like most people, buying a home represents your single biggest

investment and debt. As such, the home buying process can be one

o the most exciting, but sometimes also stressul, experiences you ever

go through. This may be true whether youve bought many homes or

youre looking to buy your rst, whether youre in the market or

a new primary residence, an investment property or that perect

vacation getaway.

Moreover, never has the real estate market oered more great

opportunities, or been raught with more risks, than now. There are

many actors to consider and many decisions to make. Thats why,

when buying, its crucial or you to have all the available resources

necessary to make a well-inormed decision, together with the time

required to make complete use o them. Thats also why you should

enlist the help o a trusted real estate proessional wholl be able to

provide you with expert consultation at each step o the

buying process.

Generally, nding and purchasing a home includes the ollowing steps,

some o which are examined in more detail throughout this booklet:

1. Defne Your Goals, Research Your Options,

Make Your Plans

Given that buying a home is such a big step, its all the more important

or you to educate and prepare yoursel as much as possible in

advance. This means clearly determining why youre buying and what

kind o home youre looking or. And because buying and nancing

a home are so closely related, it also means examining your current

nancial situation and projecting how much you can aord.

The home buying process a brief,

step-by-step overview


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Once youve answered these questions, even tentatively, youll be in

a better position to research your housing and mortgaging options,

as well as create an action plan and timelines or moving orward. You

may want to do this yoursel, but you may also benet by consulting an

experienced real estate proessional right rom the start.

2. Contact A Real Estate Proessional

Buying real estate is a complex matter at the best o times, given

that there are so many actors to consider and no two homes or

transactions are alike. However, with all the unique opportunities and

potential pitalls o the current market, its even more important or you

to contact a real estate proessional once youve denitely decided

to buy.

In choosing a real estate proessional to guide you through the property

search, nancing, negotiation and transaction processes, you should

consider their local market knowledge, experience and track record.

3. Get Pre-Approved For A Loan

Generally, it is recommended that you get pre-qualied or a loan beore

you start viewing homes with the serious intention o buying. The pre-

approval process involves meeting with a lender and authorizing them

to examine your current nancial situation and credit history. On the

basis o this examination the lender will provide you with a document

that details how much you can borrow to buy a home.

You may want to consider looking online to see what dierent lenders

oer, or contacting your local bank or credit union.


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The benefts o pre-qualifcation include:

Youll have inormation about what you can aord and be

able to plan accordingly

As a qualifed, motivated buyer youll be taken more seriously

when you make an oer on a home

Lenders can tell you whether you qualiy or any special

programs that will enable you to aord a better home

(particularly i youre a frst-time buyer)

Real estate nancing is available rom many sources, and an

experienced real estate proessional will be able to suggest lenders with

a history o oering excellent mortgage products and services. For more

inormation about the benets o pre-approval and the loan process in

general, see The Loan Process - Financing Your Home Purchase, on

page 17.

4. View Homes And Select THE ONE

Simply put, key to the home search process is knowing what youre

looking or. Among other things, that means distinguishing between

must-haves and like-to-haves. To help you to target your search

and dene your home preerence priorities, this guide includes a Home

Search Worksheet on page 28.

That said, here are a ew recent acts about the search process that

might put your experience in perspective:

Almost 90% o buyers use the Internet to search or homes1

The typical buyer searches or 12 weeks and views 12 homes1

83% o buyers view real estate agents as very useul in the

search process1

1National Association o REALTORS Prole o Home Buyers and Sellers, 2011


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There are many benets to starting the search process at a real estate

website like REALTOR.com, the worlds most extensive source or

property inormation. You can view many homes and their details, take

video tours and access neighborhood ino.

However, its also important to view homes in person. While their property

details may seem similar online, homes can actually be very dierent in

terms o layout, design, workmanship and other aspects. In addition, you

should ideally view homes with the help o an experienced and eagle-

eyed real estate proessional wholl notice things you might miss, provide

expert analysis, and act as an impartial sounding board.

5. Make An Oer And Negotiate With The SellerNow that youve ound the home youd like to buy, its time to make an

oer. Your local real estate association, working with legal counsel, has

developed the contracts that are used or transactions in your area.

These contracts enable you to speciy a sale price and also include manyclauses or speciying various terms o purchase, such as the closing

and possession dates, your deposit amount, and other conditions. You

should careully review these clauses with your real estate proessional to

ensure that they express your desired oer. In addition to drawing up the

contract, your real estate proessional will be happy to address all your

questions about the oer process.*

Once youve written the oer, your real estate proessional will present it

to the seller and/or the sellers representative. At that point, the process

given that a homes eventual sale price is subject to supply and demand

will depend on the kind o market youre in. Generally though, the

seller can accept your oer, reject it, or counter it to initiate the

negotiation process.

* Customs or drawing up contracts vary by region.


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Successive counter-oers, with deadlines or responding and meeting

conditions, will be exchanged between you and the seller until a

mutually-satisactory pending agreement is reached or the

negotiations breakdown.

Negotiations can involve many actors relating to dierent market

conditions, homes and sellers, some o which are examined in

Negotiating The Deal, on page 22.

6. Secure Your FinancingOnce you have a pending agreement, its time to go back to your

chosen lender to nalize your mortgage details so you can close the

deal. This means nalizing your down payment, interest rate, regular

payment schedule and any other nancial conditions associated with

the closing.

As noted in the section on loan pre-approval, i youve already been

qualied with a lender or a certain loan and home purchase, this phase

o buying your new home should be a relatively straightorward

matter that centers around nalizing the loan details and signing

the mortgage papers.

As the old saying goes, let the buyer beware. Particularly in these

times, when so many buyers are suering the consequences o having

not ully understood their nancing decisions, its crucial or you to work

with people you trust. In this regard, a good real estate proessional can

be a true riend or lie.

For more inormation on the loan process, see The Loan Process -

Financing Your Home Purchase, on page 17.


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7. Close The DealI youve eciently taken care o everything connected with purchasing

your new home, the experience o taking ownership will be a positive

joy with no surprises. Key steps to the closing, also reerred to as the

escrow or settlement, include:

Getting a Title Search an historical review o all legal

documents relating to ownership o the property to ensure

that there are no claims against the title o the property. It is

also necessary to purchase Tit le Insurance in case the records

contain errors or there are mistakes in the review process.

The Final Walkthrough youll be given the chance to look

at the home to make sure its in the same condition as when

you signed the sale agreement.

The Settlement typically, on the Closing Date youll go to a

lawyers ofce to veriy and sign all the paperwork required to

complete the transaction. The settlement will include paying

your closing costs, legal ees, property adjustments and

transer taxes. At that point, youll receive the property title

and copies o all documentation pertaining to the purchase.

Oh, and one more thing youll get the keys. In most cases,

Possession Date will all within a couple days, at which point youll be

able to move into your new home.


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When buying a home, its important to understand some o the key

concepts and terms. Throughout the purchase process, your

real estate proessional will be available to explain any unamiliar terms

you encounter. That said, here is a short list o terms youll want to know:

Abstract Of Title A complete historical summary o the public

records relating to the legal ownership o a particular property rom the

time o the rst transer to the present.

Adjustable Rate Mortgage (ARM) Also known as a variable-rate

loan, an ARM is one in which the interest rate changes over time,

relative to an index like the Treasure index.

Agreement of Sale Also known as contract o purchase, purchase

agreement, or sales agreement according to location or jurisdiction.

A contract in which a seller and buyer agree to transact under certain

terms spelled out in writing and signed by both parties.

Amortization The process o reducing the principal debt through a

schedule o xed payments at regular intervals o time, with an interest

rate specied in a loan document.

Appraisal A proessional appraisers estimate o the market value o

a property based on local market data and the recent sale prices o

similar properties.

A Home Buyers Glossary


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Assessed Value The value placed on a home by municipal assessors

or the purposes o determining property taxes.

Closing The nal steps in the transer o property ownership. On the

Closing Date, as specied by the sales agreement, the buyer inspects

and signs all the documents relating to the transaction and the nal

disbursements are paid. Also reerred to as the Settlement.

Closing Costs The costs to complete a real estate transaction

in addition to the price o the home, may include: points, taxes, title

insurance, appraisal ees and legal ees.

Contingency A clause in the purchase contract that describes

certain conditions that must be met and agreed upon by both buyer

and seller beore the contract is binding.

Counter-offer An oer, made in response to a previous oer, that

rejects all or part o it while enabling negotiations to continue towardsa mutually-acceptable sales contract.

Conventional Mortgage One that is not insured or guaranteed by

the ederal government.

Debt-to-Income Ratio A ratio that measures total debt burden.

It is calculated by dividing gross monthly debt repayments, including

mortgages, by gross monthly income.


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Down Payment The money paid by the buyer to the lender at the

time o the closing. The amount is the dierence between the sales

price and the mortgage loan. Requirements vary by loan type. Smaller

down payments, less than 20%, usually requires mortgage insurance.

Earnest Money A deposit given by the buyer to bind a purchase

oer and which is held in escrow. I the property sale is closed, the

deposit is applied to the purchase price. I the buyer does not ulll allcontract obligations, the deposit may be oreited.

Equity The value o the property, less the loan balance and any

outstanding liens or other debts against the property.

Easements Legal right o access to use o a property by individuals

or groups or specic purposes. Easements may aect property values

and are sometimes part o the deed.

Escrow Funds held by a neutral third party (the escrow agent) untilcertain conditions o a contract are met and the unds can be paid out.

Escrow accounts are also used by loan servicers to pay property taxes

and homeowners insurance.

Fixed-Rate Mortgage A type o mortgage loan in which the interest

rate does not change during the entire term o the loan.


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Home Inspection Proessional inspection o a home, paid or by the

buyer, to evaluate the quality and saety o its plumbing, heating, wiring,

appliances, roo, oundation, etc.

Homeowners Insurance A policy that protects you and the lender

rom re or food, a liability such as visitor injury, or damage to your

personal property.

Lien A claim or charge on property or payment o a debt. With a

mortgage, the lender has the right to take the title to your property i

you dont make the mortgage payments.

Market Value The amount a willing buyer would pay a willing seller

or a home. An appraised value is an estimate o the current air

market value.

Mortgage Insurance Purchased by the buyer to protect the lender

in the event o deault (typically or loans with less than 20% down).Available through a government agency like the Federal Housing

Administration (FHA) or through private mortgage insurers (PMI).

Possession Date The date, as specied by the sales agreement,

that the buyer can move into the property. Generally, it occurs within

a couple days o the Closing Date.

Pre-Approval Letter A letter rom a mortgage lender indicating that

a buyer qualies or a mortgage o a specic amount. It also shows a

home seller that youre a serious buyer.


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Principal The amount o money borrowed rom a lender to buy a

home, or the amount o the loan that has not yet been repaid. Does

not include the interest paid to borrow.

Purchase Offer A detailed, written document which makes an oer

to purchase a property, and which may be amended several times in

the process o negotiations. When signed by all parties involved in the

sale, the purchase oer becomes a legally-binding sales agreement.*

Title The right to, and the ownership o, property. A Title or Deed is

sometimes used as proo o ownership o land. Clear title reers to a

title that has no legal deects.

Title Insurance Insurance policy that guarantees the accuracy o

the title search and protects lenders and homeowners against legal

problems with the title.

Truth-In-Lending Act (TILA) Federal law that requires disclosureo a truth-in-lending statement or consumer loans. The statement

includes a summary o the total cost o credit.

Title Search A historical review o all legal documents relating to

ownership o a property to determine i there have been any faws in

prior transers o ownership or i there are any claims or encumbrances

on the title to the property.

* The purchase oer and contract procedures vary by region.


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To buy or not to buy considerations for

first-time home buyers in this market

Buying your rst home is a major step. Theres a lot you need to know

to make the right decisions and also to avoid making the wrong ones.

And thats particularly true in this current buyers market, when there

are so many homes available and sellers have such diverse motivations.

The good news is that i you know what youre doing, or i youre

working with a highly-experienced real estate proessional who does,

this market oers antastic opportunities to get a great home at a

great price.

Owning Versus Renting

Without question, owning a home comes with responsibilities and

risks that you dont have to worry about when you rent, such as a

mortgage, taxes, homeowners insurance, maintenance and repairs,

to name a ew.


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However, nancial advisors not to mention homeowners themselves

say there are ar more advantages to owning:

Historically, it has trended that over time, youll lose money by

renting instead o owning your own home. Why not build up

equity in a home instead o paying your landlords mortgage?

Although there are periodic market drops, historically owning

a home has been a prime fnancial investment

You can take advantage o many ongoing tax benefts, like

deducting the interest on your mortgage and property taxes

rom your income tax

Owning a home isnt just a good investment in fnancial terms,

its also an investment in a higher quality o lie particularly i

you have a amily or i youre planning one

There is a special kind o pride in the ownership and upkeep

o a home that you wont get with renting

At the end o the day, it just eels good to own your own home. You can

decorate it any way you like, renovate or build additions, personalize

your landscaping

Do You Qualiy To Own?Theres only one way to nd out: go to your bank and/or another

lending institution and allow them to perorm a credit check and

analyze your nancial situation.


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You might be surprised to know that there are many renters who

nancially qualiy to own their own homes, but dont realize it. Are you

in this category? It would be a shame i you wanted to own your own

home, but didnt know you could particularly in this perhaps once-in-

a-lietime buyers market.

Also, keep in mind you may be eligible or loans insured by the Veterans

Administration (VA) or the Federal Housing Administration (FHA).

Is It A Good Time To Buy?Generally speaking, i youre nancially qualied, your timing couldnt be

better. In act, ew markets have ever oered the kinds o opportunities

that currently exist or rst-time home buyers, because:

Home prices are down generally

Mortgage rates are historically low. You might be able to

lock-in at a very low rate on a 30-year mortgage!

There is a large listing inventory generally i.e. plenty of

homes to choose rom

There are many foreclosed homes and distress sale listings

available at greatly reduced prices

There are many builder liquidations i.e. new homes

available at greatly reduced prices

(The information above is based on market conditions at time of this printing.)


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So the bottom line is that i you are currently renting but really want to

own a home, this is a antastic time to buy. And again, you may qualiy

to buy and not know it. So talk to a knowledgeable, experienced

real estate proessional about your options. Your real estate proessional

will not only be able to guide you towards getting all the nancial support

you qualiy or, but youll also get the scoop on the many and various

great real estate opportunities currently available.

Not only that, but in case you didnt know, all the work that a

real estate proessional does to help you nd, nance, and purchase

a home wont cost you a penny its all paid or by the seller!


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Unless youre one o the rare ew able to pay cash or your home,

central to buying is nding the right lender and mortgage product.

There are many dierent kinds o lending institutions, oering a wide

range o loans and special programs. In act, you should diligently

research your options and shop around or a mortgage with as much

care as you take when looking or a home.

Here are the main steps to securing the mortgage that best suits

your needs.

Educate Yoursel About Your OptionsSad to say, but were currently in a time when many people are

suering the consequences o having made poor and perhaps

ill-advised mortgage decisions. Thats why its crucial or you to learn

as much as you can about your mortgage options.

There are myriad loan types and programs available through thousands

o banks, nance companies, credit unions, and other assorted lenders.

Not surprisingly, there are just as many sources o inormation about

mortgages. Websites l ike REALTOR.com, books, news articles,

seminars, mortgage brokers, lenders, and knowledgeable

real estate proessionals can all help you make your way through

the labyrinth o nancing possibilities, so make use o them.

And be sure to get a ew opinions.

In short, do your homework beore you put your name on

the line, because what you dont know could hurt you.

The loan process financing your

home purchase


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Sincerely Examine Your Financial SituationTogether with educating yoursel about your loan options, you should

be asking yoursel how much mortgage and down payment you can

really aord. Make yoursel accountable. What might you be giving up

not just every month, and also perhaps 20 years down the road by

extending yoursel urther? Maybe taking on a larger mortgage will pay

o greatly as an investment, maybe it wont. Be sure to weigh the risksand opportunity costs.

Along these lines, REALTOR.com provides you with a variety o loan

calculators that will help you determine what your regular payments

will be based on your projected down payment, the loan principal, the

interest rate, the mortgage term, and so on.

One other point to note is that some lenders will qualiy you or the

maximum theyre willing to lend which, however, may be more than you

can truly aord given all your other responsibilities. Additionally, be sureto actor all related taxes, insurance, improvements, homeowner ees

and all other potential costs into the equation. The bottom line is that

you should make a list o your monthly expenses, as well as project

your nancial commitments during the lie o the mortgage. This will

provide a realistic gure o what you can aord.


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In shopping or a loan you should consider two main sources: direct

lenders and mortgage brokers. Direct lenders have the money and make

the decisions, but have a limited number o in-house products to oer.

Brokers are intermediaries who charge a ee, but who can provide you

with loan options rom many sources and can oten save you money

overall. In this case, you might consult your real estate proessional as

they may have some benecial connections.

Your Basic Mortgage Options

Generally, there are two ways you can go: a xed-rate mortgage with an

interest rate that remains the same or the lie o the loan, or an adjustable-

rate mortgage (ARM) with a rate that adjusts up or down, depending upon

economic trends.

The advantages o a xed-rate mortgage particularly i you lock in at a

low rate are that they protect you against the risk o rising interest rates,

and their stability can also make it easier or you to plan and budget yourshort and long-term expenses. Their down side is that they generally have

higher rates than ARMs at any given time, and by locking in you run the

risk o being trapped at a relatively high rate i interest rates all.

Another main consideration with a xed-rate mortgage is the term.

Shorter term mortgages, like a 15-year, have lower rates than a 30-year.

The shorter term and lower rate mean that youll pay less interest

over the lie o the loan, although your monthly payments will generally

be higher.


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On the other hand, an adjustable-rate mortgages (ARM) rate is

commonly based on the U.S. Treasury index or a one-year Treasury bill,

although it may also be geared to other indexes. Generally, lenders add

2-4% to the index rate to get their ARM rate. Initially, the rate is lower

than the xed rate by a quarter point to two points or more. This rate

will periodically adjust within set limits or caps that are specied by the

terms o the loan.

Finally, it must be reiterated that the loan you ultimately qualiy or

will depend on your credit status. The best rates and terms are only

available to those with solid credit so, i possible, pay o your credit

cards and make all other bill payments in ull and on time.

Apply For A Mortgage

Once youve reached a pending agreement with a seller to buy a home

youll have all the details you need to ormally apply or a mortgage.

When you meet with your chosen lender to complete the application

youll need to provide inormation i you didnt during the pre-approval

process about your household income, job tenure and stability, assets

and existing debt, and regular expenses. This may take the orm o

pay stubs, bank and investment statements, tax returns and other

documentation. The lender will also check your credit status.


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During the application process youll discuss your dierent loan options

and programs you qualiy or, as well as nalize the size o your down

payment. I you place less than 20% down, the lender may require

the mortgage to be guaranteed by a third party such as the Veterans

Administration (VA), the Federal Housing Administration (FHA) or a

private mortgage insurer (PMI).

Generally, because there are so many considerations and so much

at stake, make sure you bring all your questions to the table, and this

includes asking the lender to explain all terms o the mortgage. You may

nd that having a trusted and knowledgeable real estate proessional by

your side to explain every aspect o the mortgage contract will increase

your peace o mind.

Lastly, i you qualiy or the loan youre seeking, the lender will oten

have the home youre buying proessionally appraised to ensure that it

is worth the purchase price.


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Successully negotiating the deal

Negotiating the transaction is usually the most complex aspect o

buying a home. At the same time, its the one that can involve the most

creativity. Thats why its important to have an experienced and savvy

real estate proessional who has successully worked through many

dierent transaction scenarios.

That said, what ollows are a ew strategies or negotiating a good deal

in a buyers market like this one, all o which involve: presenting yoursel

as a serious buyer while, at the same time, keeping your emotions in

check; trying to understand and respect the priorities o the seller;

being creative and, where necessary, willing to compromise to get the

deal done.

Strike A Balance Motivated But Not Too EagerFor you, as a buyer in a buyers market, it all starts beore you even

make an oer, the rst time you see that home you think might be THE

ONE. Its important that you not give yoursel away to the listing agentby getting too excited about your nd. I anything, ask a ew

questions, maybe take a ew notes, and let your real estate proessional

do most o the talking.


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Ideally youre trying to strike a balance by appearing to be a qualied,

motivated buyer while, not appearing to be too eager. Youll

demonstrate that youre a serious buyer the kind sellers look or

at the time you make the oer, particularly i you:

Have already sold your present home (i you have one); or in

any case, make it clear that youre not dependent upon selling

in order to buy

Make an all-cash offer or show that youve been pre-approved

Provide an attractive earnest deposit with the oer

Make an offer that still gives you room to negotiate your price

Not only will this approach show that youre qualied and motivated, it

will place you in a stronger negotiating position overall. The sellers

wont want to lose you and so will be more inclined to reduce their price

a little and/or make some concessions with respect to terms

Understand And Respect The Sellers Priorities

I, through the negotiations, you can nd out more about the sellers

situation and priorities youll not only improve your position, but youll

also be able to resolve any obstacles more creatively and sensitively.

For instance, i a seller is adamant about the sale price they might

be more fexible about taking care o a ew repairs or part o the

transaction costs. Or i they need a certain closing date, you might be

able to get them to concede some other terms. There are no one size

ts all approaches to negotiating, particularly in the current marketwhen there are so many distress sales. In general, the more you know

about the sellers priorities, the more youll be able to work with them in

order to achieve your own priorities.


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Look Beyond The Price

While a homes sale price is generally the ocus o negotiations, oten

sellers will have needs such that the terms o purchase can signicantly

infuence the nal deal. Additionally, it is in relation to the terms which

can represent thousands o dollars in value where you can get most

creative when it comes to resolving the obstacles to transacting. Here

are some elements in the purchase agreement that you might put onthe table or discussion:

An all-cash oer by you

The amount o earnest money deposit you provide

Closing and possession dates

Inclusion o urniture, fxtures, etc., not considered part

o the property

Payment or repairs required by your lender

Payment o taxes, utilities and rents Payment o title search and insurance

Payment o survey, transer taxes and recording ees

Payment o general and termite inspections

Payment o attorneys ees

Along these lines, the key is to get all terms o purchase in

writing within the agreement. These terms should then be

careully reviewed and clearly understood by both you and

the seller so that youre on the same page and the negotiationsmove orward.


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Is It Really THE ONE? I So, Make It So

Even in a buyers market like this one, i youre really interested in

buying the home youre negotiating over i it really is THE ONE

you should be willing to make some compromises to make the deal

happen. I thats not the case, then you should listen to your heart and

consider looking or another home it just might be out there waiting

or you . . .

That said, here are a ew basic principles o successul negotiation to

consider i youre committed to completing your purchase:

Remember your priorities and respect the sellers dont let small

things get in the way o your better judgment

I necessary, deer until later i small issues do get in the way in

the midst o big ones, ocus on and consolidate your agreement on

the big issues and come back to the small ones later

At the end o the day, i there are disagreements about relativesmall expenses, split the dierence and smile

The reality is that most negotiations proceed without much problem.

In the event that there are diculties but youre committed to

buying the home, remember: where theres a will theres a way.


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Many real estate proessionals are buyer specialists who ocus on

helping people successully nd and buy the homes theyve always

wanted. One benet o using their services is that they hear about

listings right when they come on the market in act, sometimes even

beore theyre on the market. And thats just the rst step. When they

work or you they will:

Educate you about Buyer Agency, outlining their proessional

responsibilities to you, including complete Disclosure, Loyalty,

Confdentiality, Obedience and Accountability

Help you explore your fnancing options and, i required, reer you

to some excellent mortgage proessionals so you can make the

best possible mortgage decision

Save you time by regularly searching the market or aordable

homes that meets your criteria

Email your specifc home requirements to top producing agents

in the area so they know they have a qualifed purchaser

View homes with you and provide comparative analysis. They

can also reer you to expert home inspectors that will provide

more in-depth analysis and advice

Expect great service rom your

real estate proessional


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Provide consultation in relation to your written offer to purchase

a home, with all terms approved by you

Negotiate the best possible price and terms for you and take

care o all the documentation details

Keep you fully informed about all activities that lead to the

transaction closing

Assist you, if necessary, in nding any home-related services

you need.

In short, theyll provide you with comprehensive, high-quality buyers

service.

So when you decide to buy a home, or i you hear that any o your

amily and riends are looking to buy, be sure to take advantage o the

knowledge, experience and proessionalism o a real estate proessional.

2012 Move Sales, Inc. All rights reserved. RDC_home_buyers guide_010512_CA_F


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Home search worksheet

Main Requirements

Price range: ______________________ Lot size: _______________________

Area: ____________________________ Square ootage: ________________

Detached/Attached: _______________ Number o bedrooms: ___________

House style(s): ___________________ Number o bathrooms: ___________

Age o property: __________________ Garage: _______________________

Specifc Features

(e.g., waterront, view, large lot, pool, replace, basement, garage size, built-in

vacuum, distance to school, additional room preerences, etc.):

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2012 Move Sales, Inc. All rights reserved. RDC_home_buyers guide_010512

reconnect home buyers guide

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