For Home Buyers
Buying a home is an exciting time in one's life. Making the smart move of choosing your HowesTeam, REALTOR® is your first step to ensuring that your new home and community meets your needs. Our services and experience range from understanding varous financing programs, getting to know Neighborhoods and amenities, to helping you find the right home that best suits you and your family. For your convenience, we also provide listings by email. We pride ourselves on repeat business and hope you'll come to understand why.
How We Can Help
Before you start looking
Closing Costs
- Assure that you see all the listed 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, to scheduling the inspections, ordering Title work and much more.
- Make sure you pay the right price for your new home, realize it's value and help you avoid costly mistakes.
- Answer all of your questions about the local market area, including schools, neighborhoods, the local economy, and other key issues.
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, monthly payment and other monthly costs .
- Identify a qualified lender that has the ability to perform on your appication and fund your loan. We work with some great professinal lenders. One is Adams Mortgage. www.AdBancMortgage.com
- Find a loan program that meets your needs and get pre-qualified (preferably pre-approved). Wouldn't it be great to just find a house, get an inspection and appraisal and then close? We can help you do that!
- Choose a HowesTeam, 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.
- Lender fees include charges for loan processing, origination, underwriting, preparation and establishing an escrow account.
- Third-party fees include charges for insurance, title search, and other inspections such as termites.
- Government fees include deed recording and state & local property taxes.
- Escrow and interest fees include homeowner's insurance, loan interest, real estate taxes, and occasionally private mortgage insurance.
Find out how much your closing costs could be. 
