For Home Buyers

Now Is The Time To Buy!

Buying a home is an exciting time in one's life. Making the smart move of choosing a REALTOR® is your first step to ensuring that your new home and community meets your needs. My services and experience range from financial aid to helping you find the home that best suits you and your family. For your convenience, I also provide listings by email. I pride myself on repeat business and hope you'll come to understand why.

How I Can Help

As Your Agent, I Will:

Assure that you see all the properties in the area that meet your criteria.
Guide you through the entire home buying process, from finding homes to look at, to getting the best financing.
Make sure you don't pay too much for your new home and help you avoid costly mistakes.
Answer all of your questions about the local market area, including schools, neighborhoods, the local economy, and more.

Before you start looking

Before You Start Looking For Your New Home:

Check your credit rating . Straighten out any errors before its too late.
Determine a comfortable monthly budget for your new purchase, including down payment and monthly payment.
Find a loan program that meets your needs and get pre-qualified (preferably pre-approved).
Choose a REALTOR® that you trust and who understands your needs.
Determine what neighborhood best matches your needs.
Identify important features you need your new home to have.

Closing Costs

Mortgage Closing Cost (Broward County): Cash Closing Cost (Broward County)

Buyer Closing Costs: Buyer Closing Cost:

          Owners Title Insurance                                                                                          Owners Title Insurance
          Settlement Fee                                                                                                      Settlement Fee
            Title Examination                                                                                                  Title Examination
            Recertification Fee                                                                                                  Recertification Fee
            Doc. Scanning/Storage/Retrieval                                                                            Doc. Scanning/Storage/Retrieval

Seller's Closing Cost: Sellers Closing Cost

          Abstract/Title Search                                                                                            Abstract/Title Search
          Document Preparation                                                                                           Document Preperation
         Settlement Fee                                                                                                   Settlement Fee
         Doc. Scanning/Storage/Retrieval                                                                            Doc. Scanning/Storage/Retrieval

Note: State doc stamps on the deed are $7 per $1,000 of sales price in Broward.
State doc stamps on the mortgage are $3.50 per $1,000 of mortgage amount. Intangible tax on mortgage is $2 per $1,000 of mortgage amount.

The cost of the title insurance policy depends on the sales price; the minimum rate established by the State of Florida is called "Promulgated Rate", and is $5.75 per thousand up to $100,000, and $5.00 per thousand thereafter (up to $1,000,000).

Additional fees that may be incurred can include lenders fees; recording fees; documentary stamps and intangible tax; estoppel/lien searchfee;courier/overnight fees; survey; and all prorations that may apply.

For Home Buyers

Jim McGrath