Moving Michigan...One Family at a Time!

Buyer Resources & Home Search

2018 Home Buyers Guide
Click the link above to view a slideshow created specifically for my clients wishing to purchase property. 
Learn how the Maria McGuire Team functions to best suit your needs.  

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New Home in your Future?  Click here to see why NOW is a good time to buy!  

Buying a home is an exciting time in one's life. Making the smart move of choosing a REALTOR® is your first step to ensuring that your new home and community meets your needs. Our services and experience range from financial aid to helping you find the 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.

As Your Agent, We Will:

  • Assure that you see all the 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.
  • Make sure you don't pay too much for your new home and help you avoid costly mistakes.
  • Answer all of your questions about the local market area, including schools, neighborhoods, the local economy, and more.

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 and monthly payment.
  • Find a loan program that meets your needs and get pre-qualified (preferably pre-approved).
  • Choose a 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.

Closing Costs to Expect:

  • Lender fees include charges for loan processing, 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 mortgage 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.

10 Deadly Mistakes Buyers Make When Purchasing a Home

Protect yourself from these common pitfalls...

1.  Making an offer on a home without being pre-qualified.  Pre-qualification will make your life easier - so take the time to speak with a lender.  Their specific questions in regard to income, debt, etc., will help you determine the price range you can afford.  It is an important step on the path to home ownership.

2.  Not having a home inspection.  Trying to save money today can end up costing you tomorrow.  A qualified home inspector will detect issues that many buyers can overlook. 

3.  Limiting your search to open houses, ads or the internet.  Many homes listed in magazines or on the internet have already been sold.  Your best course of action is to contact a Realtor.  They have up-to-date information that is unavailable to the general public and are the best resource to help you find the home you want.

4.  Choosing a Real Estate agent who is not committed to forming a strong business relationship with you.  Making a connection with the right Realtor is crucial.  Choose a professional who is dedicated to serving your needs - before, during and after the sale.

5.  Thinking there is only one perfect house out there.  Buying a home is a process of elimination, not selection.  New properties arrive on the market daily, so be open to all possibilities.  Ask your Realtor for a comparative market analysis.  This compares similar homes that have recently sold, or are still for sale.

6.  Not considering long-term needs.  It is important to think ahead.  Will the home suit your needs 3-5 years from now?

7.  Not examining insurance issues.  Purchase adequate insurance.  Advice from an insurance agent can provide you with answers to any concerns you may have.

8.  Not buying a home protection plan.  This is essentially a mini insurance policy that usually lasts one year from the close of escrow.  It usually covers basic repairs you may encounter and can be purchased for a nominal fee.  Talk to your agent to help you find the protection plan you need.

9.  Not knowing total costs involved.  Early in the buying process, ask your Realtor or lender for an estimate of closing costs.  Title company and attorney fees should be considered.  Pre-pay responsibilities such as Homeowner Association fees and insurance must also be taken into account.  Remember to examine your settlement statement prior to closing.

10.  Not following through on due diligence.  Buyers should make a list of any concerns they have relating to issues such as; crime rates, schools, power lines, neighbors, environmental conditions, etc.  Ask the important questions before you make an offer no a home.  Be diligent so that you can have confidence in your purchase.

6 Mistakes to Avoid When Moving Into a Larger Home

A new report has just been released which identifies the 6 most common and costly mistakes that homebuyers make when moving up to a larger home.

Unlike the experience of buying a first home, when you're looking to move-up, and already own a home, there are certain factors that can complicate the situation. It's very important for you to understand these issues before you list your home for sale.

Not only is there the issue of financing to consider, but you also have to sell your present home at exactly the right time in order to avoid either the financial burden of owning two homes or, just as bad, the dilemma of having no place to live during the gap between closings.

In answer to this issue, industry insiders have prepared a FREE Special Report entitled "6 Mistakes to Avoid When Moving Up to a Larger Home".

The information contained in this report will help you make informed choices before you put your home on the market in anticipation of moving to a larger home.

Order this report NOW and find out what you need to know to make your move up to a larger home worry-free and without complications.

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Maria McGuire
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