Why Buy With Us?
Properties, like people, come in all shapes and sizes. They can be single-family homes, condominiums, or townhouses. They can be one story or multiple stories high. They can span over acres of farmland, or be nestled into part of a street block. In other words, properties are as unique as the people who live in them, complete with their own distinctive personalities. With so much variety to choose from, it’s easy to understand how choosing a new place to live can be a confusing decision for home buyers. Should they seek a home in the bustling city, or in the more relaxing suburbs? Should they pick a new construction that they can customize, or go with a previously-owned home that has its own character and charm? Don’t go through this decision-making process alone, let CENTURY 21 Citywide help!
Homes For Sale
Work with the Best, Pick from the Best
As the saying goes, “information is power,” and with CENTURY 21 Citywide’s tools and resources, our buyers have access to the best information possible. Our brokers can assist you in staying ahead of the curve with daily updates and analysis, thus keeping you up-to-speed on the current market and giving you the upper hand in buying a home.
The CENTURY 21 Citywide App
Have you started to shop for a mortgage? If you’re home shopping and you will not be paying cash, obtaining home financing is one of the most important financial decisions to make. Don’t let fear stop you from shopping for a mortgage.
Once you’re ready to apply, here are 5 easy steps that Freddie Mac suggests to follow:
- Find out your current credit history & score – even if you don’t have perfect credit, you may already qualify for a loan. The average FICO Score of all closed loans in September was 731, according to Ellie Mae. However, many homebuyers actually have significantly lower credit scores and yet still qualify for downpayment and closing cost assistance.
- Start gathering all of your documentation – income verification (such as W-2, 1099 forms or tax returns), credit history, and assets (such as bank statements to verify your savings).
- Contact a professional – your real estate agent will be able to recommend a loan officer that can help you develop a spending plan, as well as determine what you can afford.
- Consult with your lender – he or she will review your income, expenses, and financial goals in order to determine the type and amount of mortgage you qualify for. You will receive everything in writing to remove all confusion during the process.
- Talk to your lender about pre-approval – a pre-approval letter provides an estimate of what you might be able to borrow (provided your financial status doesn’t change), and demonstrates to home sellers that you are serious about buying!
Title, Escrow and Closing Costs
In legal terms, “Title” is the bundle of rights you may have in your home or property. During the escrow process, the title company is responsible for determining legal description, ownership history, judgments, liens and easements, taxes and HOA proration. Once the title company has researched the property they will provide the buyer with a title commitment otherwise known as a preliminary report. Ultimately, the exhaustive title search process and the final title insurance policy provide security and peace of mind for you.
What is a home warranty? Is it worth purchasing? A home warranty is a renewable service contract offering protection for a home’s major systems and appliances.
Are you relocating to this area? Looking for more information to help you find the right city and neighborhood for your family? Our relocation guide includes the most up-to-date contact information for people looking to move to our area.
Download Our Relocation Guide
Buying a home is an exciting and new experience. The best way to ensure that your home-buying process is a confident one is to find a real estate professional who will guide you through every aspect of the transaction with ‘the heart of a teacher,’ and who puts your family’s needs first.
Home is Where the Heart Is… In retirement, you have the chance to live anywhere you want. According to a study by Merrill Lynch, “an estimated 4.2 million retirees moved into a new home last year alone.” Two-thirds of retirees say that they are likely to move at least once during retirement. In today’s housing market climate, with low available inventory in the starter and trade-up home categories, it makes sense to evaluate your home’s ability to adapt to your needs in retirement.
The top reason to relocate cited was “wanting to be closer to family” at 29%, a close second was “wanting to reduce home expenses”. See the chart below for the top 6 reasons broken down.
Discounts for Our Customers
If you are preparing to move into a new place or sell your current home, our discount program offers valuable services at significant savings. Discounts from Budget truck rentals to Mohawk Flooring. Also, don’t miss out on our Lowes Home Improvement discount.Download Our Client Discount Flyer