SW Michigan Real Estate Community Voice

  Now that you have done the fun part, touring homes and have found the perfect one, it’s time for the hard work to start. I have added a Making the Offer to my website that outlines items that need to be done and what I, the realtor, can do for you. I found a Michigan Government website that will help you understand the Michigan Transfer Tax that will need to be paid at closing. Now is the time to think about Home Warranties . I can help walk you through the advantages of a warranty and help you get one. The major inspections/appraisals that will probably be handled at this time: Inspections (always it an inspection) Land Survey ( This is important if there is any undefined boundaries) Home Appraisal ( the lender will insist on this ) No worries, I can walk you through all of these things. If you have any questions just ask .

                                          I decided to add a Home Search Page to my website to help buyers narrow down their search and make an informed decision. I have added a section on a Free  customized home finder and its benefits. I added a lot of helpful information to the page. I had so much information that I wanted to share so I added several pages on  what to remember when looking for a home. Hidden Costs Choosing Between Two Perfect Houses Falling in Love with a Money Pit Foreclosures, REOs and Short Sales Finding The Right Neighborhood     Let me use my 25 plus years in real estate to get you into your new home. If I can help you in any way with your real estate needs please just ask .

Mortgage 101 Let's face it, the mortgage is the most important item in buying a home. Without the mortgage there is no home. Mortgages can be very confusing . The most important part is getting your Pre-qualification letter and Pre-approval letter . Without these letters sellers are not going to take you seriously. I have also blogged about down payments in the past and have added a Mortgage page to my website that covers Types of Mortgages and Down Payments. One of the most crucial items that affect your mortgage is your credit score. Your credit score affects the rate you get with your mortgage. When filling out your loan application there is a lot to understand. You will find a Loan Application Checklist on my website to help you with the mortgage process. Be careful when looking online for a lender. There are a lot of scammers out there. The Consumer Financial Protection Bureau (CFPB) has a great brochure to help you look into your lender. The National Mortgage Licens

  This designation is reserved for Realtor’s that are in good standing with The National Association of Realtors (NAR) and recognized for their outstanding buyer client relationship in the area of the home buyer process. It was established to recognize real estate buyer agents who focus on working directly with buyer-clients at every stage of the home-buying process. I am very proud of my ABR - Accredited Buyer’s Representative designation. I take ongoing classes to stay up to date on the best ways to serve my clients. I work with my buyers and walk them through from start to finish with their home buyer process. Please check out my website for lots of information on buying a home. If I can be of help to you in buying a home just give me a call/test 269-208-4750 Contact   RE/MAX-Harbor Country -45 N Whittaker, Suite 200 New Buffalo Mi 49117 Valerie (Val) Bomberger, Realtor® ABR A.H.W.D Text / Cell 269-208-4750 E-mail: valsoldit@gmail.com | Website: valsoldit.com Office (269

A buyers agency agreement is an agreement that protects both the buyer and agent. The agreement goes over what you can expect of the agent and what the agent expects from you. My website has information about purchasing a home. The site covers everything pertaining to buying a home. Please check the site out and let me know if you have any questions .     RE/MAX-Harbor Country -45 N Whittaker, Suite 200 New Buffalo Mi 49117 Valerie (Val) Bomberger, Realtor® ABR A.H.W.D Text / Cell 269-208-4750 E-mail: valsoldit@gmail.com | Website: valsoldit.com Office (269) 586-2330 | Fax 269-586-2336 Michigan License #6501281260 What's Your Home Worth? Home Search Begins here!    

I decided to cover real estate commissions on my website to add to all the other pages covering the different aspects of buying a house. I have gathered all kinds of information for my client over the last 25 years and have been adding the info to my website . If I can help you in any way with your real estate needs please just ask .   RE/MAX-Harbor Country -45 N Whittaker, Suite 200 New Buffalo Mi 49117 Valerie (Val) Bomberger, Realtor® ABR A.H.W.D Text / Cell 269-208-4750 E-mail: valsoldit@gmail.com | Website: valsoldit.com Office (269) 586-2330 | F ax 269-586-2336 Michigan License #6501281260 What's Your Home Worth? Home Search Begins here!  

  I have spent over 25 years helping buyers find their right home. I can help you find your right home. I have years worth of helpful information on my website for you to explore. Even if you have bought a home in the past this information might be of interest. I cover mortgages, hiring an agent, free home searches and much more. If you have any questions just ask .

  Part 4 of my series on discrimination n Real estate is about the Fair housing Act. This shows buyers and sellers the dos and do n0t's, rights and penalties under the law. It is a important law that guarantees that no one can refuse to sell or lease property to anyone because of race, color, religion, sex, handicap, familial status, sexual orientation, gender identity and national origin. Please checkout the whole Fair Housing Act with the United States Department of Justice. I have included some excerpts from the ACT. Sec. 805. [42 U.S.C. 3605] Discrimination in Residential Real Estate-Related Transactions (a) In General.--It shall be unlawful for any person or other entity whose business includes engaging in residential real estate-related transactions to discriminate against any person in making available such a transaction, or in the terms or conditions of such a transaction, because of race, color, religion, sex, handicap, familial status, or national origin. (b) Definitio

In Part 3 of discrimination in real estate        I want cover the  One America Principles.      These principles were  created by the Department of     Housing and Urban Development ( HUD ) in 1997.  The information on One America Principles is long  but is very important to all buyers.     Here is a list of  principles that I follow:I welcome you and want to do business with you. I will base my decision and opinions of you on who you are, not on any preconceived stereotypes or ingrained value judgments. I subscribe to the federal Fair Housing Act and its principles. I embrace and celebrate the strength that diversity brings to our communities and our nation. I will help you find opportunities to buy the home you choose. I will market home ownership to the public and reach out to people who may not know that home ownership is a realistic option. I will make sure you know there is a full range of housing choices available to you and encourage you to consider all communities an