Before we start looking at homes, I will…
Answer any questions you may have in the process of buying a home
Discuss and explain the BLC system
Discuss architectural style, location, schools and special features that you desire
Explain the details of the Purchase Agreement and other forms used in purchasing a home and give you a copy for your review (Email Dale Billman with questions)
Explain all the various financing options, fixed mortgages vs. adjustable and 15 year vs. 30 year mortgages and offer an appointment with a mortgage representative to pre-qualify and determine your mortgage amount and closing costs.
We recommend that before you begin your house hunting, you begin the loan preapproval process. Getting pre-approved requires that a lender verify your financial information, and it serves as their commitment to lend a specified amount based on that information. It will give you a number of advantages.
When you find a property, sellers will take your offer more seriously given that you have a lender that has committed to backing your offer. It does give the assurance that you're looking at homes you can confidently afford to finance.
Your efforts will be focused on properties that match your financing abilities.
You'll have an edge over other buyers who aren't pre-approved. In situations where there are multiple offers on a property, this can be the difference between having your offer accepted or losing the property to another buyer.
We are eager to help you get pre-approved either through Tucker Mortgage or another mortgage company. Contact Tucker Mortgage now!
After the Sale and Prior to Closing, I will...
Assist in obtaining a homeowner's insurance policy Contact Tucker/Shepherd Insurance now!
Provide contact information for utilities
Help you arrange for any necessary inspections of the property in order to evaluate the major elements of the home and review the report with you
Inform you of the amount that your cashier's check will need to be at the time of closing. Most banks require ten days for any deposit to clear before they will issue a cashier's check.
Reminder- banks may close early, and they will not issue a cashier's check at a drive-up window
Assist you in obtaining a Power of Attorney if needed
At the closing I will...
Discuss proceeds and closing statements with you
Attend the closing and answer all questions
Coordinate possession of the property
Maintain a file of closing papers
Coordinate the transfer of possession and keys
Buy with Dale and You'll Get More...
The power of a skilled negotiator with over 33 years experience
As your real estate professional, I will be able to show you any home that is available regardless of who has the property listed!
I can save you endless hours of frustration by acting as a clearinghouse for all the available properties in the area(s) you're interested in.
I will be more than happy to accompany you to any open house, new construction or available listing at a time that's convenient to you!
There is no cost to you when you select me to act as your real estate representative. I'm eager to work with you and explore the possibilities of finding a home or condominium that fits your present financial position.
MyTucker- Our MyTucker- program searches the entire market dialing for your dream home and sends you an email or fax of new listings that meet your criteria as they come on the market. You'll be the first to know about them! Sign me up now!
Tucker Home Services- We offer buyers, sellers and past clients the services of a Personal Move Coordinator (PMC) who will be on-call before, during and after the move to assist with utilities transfers, moving companies, home repairs and vendors that offer premium services. Learn More!
Extensive website with all the tools you need to buy a home
Tucker Mortgage- We have a loan office right here in our office to assist our clients. Pre-approval of mortgages within 2 hours gives you the power of a cash buyer. Contact Tucker Mortgage now!
Owning vs. Renting...
Owning gives you a feeling of success!
You begin to enjoy your new home or condominium from the first day you move in. Most investments require a period of time to elapse before any enjoyment is derived. Not so when you invest in a home.
When you landscape, add a patio or paint, you not only have the use and enjoyment of these additions, but also increase the value of your investment.
If you're renting, I'd like to talk with you about the homes on the market today that fit your financial position. There's no obligation to you. Give me call anytime.
Owning gives you lots of freedom!
You can play your stereo as loud as you want, paint the walls any color you wish and do the laundry any time!
How much “home” can you afford?
Generally, lenders figure that the homebuyer shouldn't pay more than 28% of their gross monthly income for their mortgage payment including principal, interest, taxes and insurance (PITI); or 36% when they combine all monthly debts together with the PITI payments.
The easiest way to make a quick estimate of the mortgage amount you may qualify for is to apply these two basic formulas to your situation. Using a combined family income of $75,000 divide by 12 to find the gross monthly income (before taxes) of $6,250. This family could probably qualify for a monthly PITI payment of $1750 using the 28% formula; or $2250 using the 36% formula for determining the total monthly debt structure.
Keep in mind that the monthly payment will vary according to the amount, interest rate and length of time of the mortgage.
Get tax breaks, too! It's a fact. Uncle Sam actually helps you become a homeowner by allowing generous tax deductions. The majority of the mortgage payment is the interest paid and homeowners deduct the interest paid before determining what their taxable income is. Real estate taxes are also deductible. This means that the “net” cost of homeownership is much less than it initially appears.
Talk to Tucker— We Listen!
Why you need Dale Billman when building a home...
Cost to you.
Nothing! Any compensation given to REALTORS® is recognized by the builder as a marketing fee and has no impact on the final cost of the home. Builders desire, expect and encourage REALTOR® participation.
Savings to you
Are you getting what you're entitled to have... both in quality and value? Dale knows what you should receive and what "extras" might be available.
Resale... Appreciation & Profit
Give your investment the best opportunity for appreciation at resale. Questions concerning site location, builder, design and decor are important. Dale knows you are building not only for today... but for tomorrow.
You are Represented
With Dale, you are represented! His experience, knowledge and reputation represent strength and leverage on your behalf.
There is more to a builder than good advertising or the sales staff in the beautiful model home.
What is the reputation of the builder? Does the builder allow customized changes and at what cost? Dale has insight into these and many more concerns.
Time & Stress
Throughout the entire building process, Dale will monitor the progress with you and for you. You're never alone.
Contracts & Paperwork
Builders have "standard" contracts and many addendums designed by a legal staff representing the builder. Dale will know certain details and conditions that should be discussed, added, deleted or modified for your protection.
Do the incentives, discounts and special financing of the builder work the best for you? Dale will suggest alternatives for comparison
Builder Obligations, Inspections & Warranties
REALTORS® know what the builder should, could and must do. Dale will be there with you throughout the entire building and financing process. Furthermore... Dale will guide you through the inspections, the closing procedures and be with you long after you move into your new home.
Do the Best for Yourself, Build with Dale Billman
What does a Realtor do for you and what you can do for your Realtor...
Dale depends on you...
Sales associates spend many hours researching financing alternatives, keeping abreast of the current market and market trends, and pursuing continuing education studies. All of this activity (and much more) is done with a desire and dedication to earn the loyalty of clients and build a personal reputation for efficient, friendly and professional service. Each Associates success depends on referrals, recommendations and repeat business
Dale is self-employed...
Self-employed means that a Sale's Associate does not receive a salary, a company car, an expense account, vacation pay, insurance and retirement benefits, etc. In addition to these expenses, the Associate also pays license fees, monthly MLS fees and annual membership dues to local, state and national REALTOR associations. Dale has contractual agreement with the F.C. Tucker Company, Inc. This agreement states that the individual may list and sell real estate as an Independent Contractor representing the F.C. Tucker Company.
Sales Associates Earn Commissions...
At the time of closing, after all the work has been completed to the satisfaction of everyone concerned, the real estate commission is subtracted from the seller's proceeds. This commission is then divided between the company and the Sales Associate representing the seller and the company and Sales Associate assisting the buyer.
Dale is dedicated to giving each client (past, present and future) the very best service in order to earn and maintain your trust and loyalty!
Cell: 317.445.3869 | Office: 317.841.8880