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Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? Real Estate Agents Are Your Professional Guides. Make Sure You Choose a Top Expert.

You might be a bit afraid or intimidated by the whole process of buying your first home. As a top Port Orchard, Bremerton and Silverdale real estate expert, it's my job to guide you, from beginning to end.

I will take the time to go through each and every step of the buying process. There are no dumb questions!

Together, we will consider:

- How much can you really afford?

- How to qualify for a mortgage.

- How much cash you should put down.

- How to buy a home with little or nothing down.

- What it takes to get approved for financing. What banks and other financial institutions are looking for.

- How much your payments will be.

- The tax advantages of buying.

- Is renting or buying better for you?

Tell me a bit about your situation below. I'll get right back to you. There is absolutely no charge, and I offer this to you with no strings attached.

New to the home buying process? Tell me your concerns. Ask me questions. It's my job to help! There's no obligation, and I promise to get back to you quickly...

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School Reports in Port Orchard, Bremerton and Silverdale, Washington

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Washington Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.

Schools in Port Orchard, Bremerton and Silverdale

Disclosure Laws >Read the Fine Print

Many states require the seller of a home to fill out a real estate disclosure statement when transferring the title. The disclosure is designed to reveal any material defects in the home to the new owner. When buying a home, take the time to read the fine print of the disclosure form.

Look for a section that asks the seller to indicate the material defects that exist in the home's major systems. Most forms will specify interior and exterior walls, ceilings, roof, insulation, windows, fences, driveway, sidewalks, floors, doors, foundation, and the electrical and plumbing systems. As the buyer you will want to know of defects in any of these areas.

Sellers are required to note the presence of environmental hazards or zoning violations. They must disclose if there are any encroachments or easements, or walls or fences shared with adjoining landowners. Room additions or repairs made without the necessary permits or not in compliance with building codes must be noted. Sellers must disclose citations or lawsuits against the property. If any such conditions appear on the disclosure form, consult with your real estate agent immediately regarding how to proceed with negotiation.

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Q	Nearly every state has a mandate for seller disclosure. What must a seller disclose?
A	The seller must disclose any existing problems, defects or conditions that could affect the value of the house.
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Judy Snyder, REALTOR®, real estate agent and broker for Port Orchard, Bremerton and Silverdale, Washington home listings, property and land for sale - NUMBER1EXPERT(tm)

Judy Snyder
Prudential NW Real Estate
2497 Bethel Road SE
Port Orchard, WA. 98366
Phone: 360-731-4675
Fax: 360--876-4833
Email: judysnyder@NUMBER1EXPERT.com

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