Home Buyer Tools
                              ...Let Kim do the work for you!

Congratulations!  You have decided to purchase a home, in the Orange CT Real Estate, Homes in Milford, Woodbridge CT Real Estate or Bethany Connecticut Real Estate, Westville New Haven CT Real Estate area, or are thinking about buying one.  You'll be joining the ranks of hundreds of families who realize that home ownership offers a number of benefits including building equity, saving for the future, and creating an environment for your family.  When you own your own home, your hard-earned dollars contribute to your mortgage. The equity you earn is yours.  Over time, your home will increase in value.

In the following reports, you'll find the information you need to make a wise buying decision.  I'll take you through the planning process step-by-step , to help you determine which home is right for you.  You'll find a host of informative articles on mortgages, viewing homes, the offer, closing details and moving.

 Common Closing Costs for Buyers
 6 Creative Ways to Afford a Home
 10 Things a Lender Needs From You
 5 Factors that Decide Your Credit Score
 8 Steps to Getting Your Finances in Order                                       
 Choices That Will Affect Your Loan
 Tips for Buying in a Tight Market
 Reasons to Own Your Own Home
 5 Things to Understand about Homeowners Insurance
 10 Things to Take the Trauma Out of Homebuying
 Home Buying Trends
 5 Property Tax Questions You Need to Ask
 5 Common First-Time Homebuyer Mistakes
 10 Tips for First-Time Homebuyers
 10 Ways to Lower Your Homeowners Insurance Costs

Many of the above articles have been reprinted from REALTOR® Magazine Online by permission of the NATIONAL ASSOCIATION OF REALTORS®

Does Moving Up Make Sense?

The answers to these questions will help you decide:

1. How much equity do you have in your home? Look at your annual mortgage statement or call your lender to find out. Usually, you don’t build up much equity in the first few years of paying a mortgage, but if you’ve owned your home for a number of years, you may have significant unrealized gains.

2. Has your income increased enough to cover the extra mortgage costs and the costs of moving?

3. Is the neighborhood still a good one for your needs? For example, if you’ve had children, the quality of the schools may be more of a concern now than when you first purchased.

4. Can you add on or remodel? If you have a large yard, there might be room to expand your home. If not, your options may be limited? Also, do you want to undertake the headaches of remodeling yourself?

5. How are interest rates? A low rate not only helps you buy more home, but also makes it easier to find a buyer.