The Key to finding the perfect home for the best price and terms is to be represented by the most qualified and experienced Real Estate Professional in the city and we have done the research and found that top professional for you. You can have the REexpert do all the work for you and it's FREE! WHY? Because it doesn't cost you a dime more to work with the REexpert than an agent with less experience and not as qualified.
Buying or selling a home is one of the largest transactions in your life, you need to work with the BEST Real Estate Professional in the market. Trusting in an unqualified agent can cost you thousands of dollars and could result in losing your DREAM Home. You and your family deserve to work with the best and have the very best Real Estate Experience possible.
Special for Buyers
Date: Feb. 21, 2008, 11:36 am
Buying a home is an exciting but often overwhelming experience. The Cox Connection and our Buyer Specialists can help you through the home buying process and assure that you find the right home for you, at the right price for you.All home buyers have a number concerns, all of which we can help you with:
Setting a time frame. There are a lot of variables in the home-buying process, which means the time it takes to find and buy your new home varies too. A typical home search process may take three to four months, including the mortgage approval process, comparing and evaluating properties, making an offer and the closing process. The loan process typically takes 30-45 days.
The lending process. Perhaps one of the most intimidating aspects of buying a home is the mortgage approval process. We'll be here to help guide you through this, but there are many ways you can prepare early to make the process smoother. Start by making sure your budget is under control. Make a list of all your monthly expenses, compare it with your income, and see if adjustments need to be made. You should also try to pay off small credit card balances. Start gathering documents you may need, such as W-2 forms, income tax returns for the past few years, pay stubs, records of child support or alimony, bank statements for the past several months, and your credit report. Also, be sure to allow for closing costs. Getting several bids will allow you to compare loans and get the best deal.
Determining how much you can afford. A general guideline to consider is that most buyers purchase a home that costs about one and a half to two and half times their current annual income. For example, someone earning $50,000 a year might purchase a home for $75,000 to $125,000. Mortgage payments should be about 26-28 percent of your gross monthly income. Existing debt is also considered in the mortgage process, and total debt payments (car payments, credit cards, student loans, etc.) should not exceed 40 percent of your gross monthly income.
Finding a home that meets your needs and wants. Before you start looking at properties, make a list of "must-have" features along with optional features you'd like to have. "Must-have" features may include the number of bedrooms and bathrooms you'll need to accommodate your family, location (consider commute to work, which schools your children will attend, etc.), lot size and special needs (handicapped access, etc.). Optional features may include the architectural styling, bay windows, landscaping, etc. Having a clear idea of what you want in a home will help us find the perfect property for you.
Educating yourself about the home-buying process is key to getting a home you love and can afford. The Cox Connection is here to answer any questions you might have and guide you through this process.
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Realtor Information
John Cox
Office: 910-235-5300Cell: 910-315-8000
Introduction
Having spent a lifetime in marketing and sales, I know the importance of customer service. There can and will be no compromise on "customer satisfaction." I have over 10 years experience in Real Estate. I spent 30 years in the corporate world, primarily doing sales and marketing. I have now applied that expertise to the Real Estate industry. I have an undergraduate degree in Engineering and Applied Physics from Harvard and a Masters in Business Adminstration from Cornell. At The Cox Connection, we work as a team so you get more for your money. If you are buying a home, I promise to keep you fully informed of each step of the buying process, from pre-qualification through the closing. If you are selling a home, I promise to utilize all my marketing skills and the latest in technology to give your home the maximum exposure.
The Cox ConnectionHaving spent a lifetime in marketing and sales, I know the importance of customer service. There can and will be no compromise on "customer satisfaction." I have over 10 years experience in Real Estate. I spent 30 years in the corporate world, primarily doing sales and marketing. I have now applied that expertise to the Real Estate industry. I have an undergraduate degree in Engineering and Applied Physics from Harvard and a Masters in Business Adminstration from Cornell. At The Cox Connection, we work as a team so you get more for your money. If you are buying a home, I promise to keep you fully informed of each step of the buying process, from pre-qualification through the closing. If you are selling a home, I promise to utilize all my marketing skills and the latest in technology to give your home the maximum exposure.
PO Box 3310
Pinehurst, NC 28374
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