Homes For Sale
Under $200,000
$200,000-$400,000
$400,000-$600,000
$600,000-$800,000
Luxury Homes over $800,000
New Construction
Water Front Properties

Relocation

Are you relocating to this area? Looking for more information to help you find the right city and neighborhood for your family?

Our relocation guide includes the most up-to-date and vital information for people looking to move to our area.

What’s the Difference Between a Pre-Approval vs. a Pre-Qualification?

When you are pre-approved fo a mortgage loan. it means a lender has looked closely at your credit report and validated your income and assets, determining that you qualify for a loan. The lender will provide you with a written commitment, telling you the maximum amount of a loan you qualify for, which loan programs you qualify for, and will discuss the interest rates they will offer for different types of loans. Agents and sellers view a pre-approval as a start to the home buying process. Loan pre- qualification does not typically include an analysis of your credit report or an in-depth look at your true ability to buy a home. You can be pre-qualified by a lender, by a real estate agent or you can do it yourself. The term means that someone has taken a general look at your income and expenses and plugged them in to a debt-to-income ratio formula. Pre-qualifying yourself before you start looking for a home gives you a general idea of the price range you can afford.

First-Time Buyers

If you’re a first-time home buyer, purchasing a house can fulfill a dream. To make it come true, you’ll have to navigate a maze of procedures and work with agents, sellers, lenders, inspectors and title agents/attorneys to name just a few of the players you’ll meet along the way.

The good news: There’s a lot of information out there.

The bad news: It’s hard to tell where the free advice ends and the sales pitch begins. Don’t worry, we’ve got your back.

Buying your first home, one simple step at a time

From finding the right neighborhood to choosing a mortgage and closing the loan, we’ll walk you through the process. We’ve spoken to experts who’ve done the deal, made the mistakes and want to share what they know.

Let’s get started.

Escrow and Closing Costs

In Pennsylvania, we utilize title companies and closing attorneys to handle our closings. The buyer(s) chose who they want to handle the closing for them and the location is typically at that closing companies location or a mutually agreed upon place.

Costs associated with the purchase of a home that must be paid at the loan closing. This may include (but not limited to) attorneys fees, fees for preparing and filing a mortgage, fees for a title search, taxes and insurance. Closing costs usually are about 3% – 6% of the mortgage loan amount.

Just Started Looking…

If you’re just starting your home search, you’ve come to the right place. If you’re ready to find a lender, choose a mortgage or close on your loan, resources for you – we can guide you safely.

~ Decide where you want to live  ~ Learn how much you can afford ~ Prepare your credit ~ Save for a down payment ~ Get pre-approved and start looking at houses ~ Choose the best loan program  ~ Choose the right lender ~ Avoid last-minute hiccups by preparing for the application process ~ Get ready to close – start packing!

Home Warranty VS. Home Insurance

Homeowners warranties are designed to protect your home’s appliances and systems from breakdowns caused by normal wear and tear. Homeowners insurance pays for damages and loss caused by covered perils like fire and weather damage, but it won’t help you if your washing machine simply breaks down.

A home warranty – will cover your home’s crucial systems and appliances, as long as they are in working order when the contract is entered into with the warranty company. Make sure you have reviewed your contract and coverage before you need it.

A standard homeowners insurance policy – insures your home’s structure (house) and your belongings in the event of a destructive event, such as a fire.

Seniors

When you are ready to retire, your home could be one of your most valuable assets. Therefore, selling your house at retirement age presents a different set of considerations than when you were younger. Whether you’re downsizing, buying in a new community or moving in with family, it takes careful planning to get the most out of your equity.

It is critical to find a good Realtor® that is knowledgeable about the specialized needs of seniors. Through experience or specialized training and credentialing programs, such agents are familiar with senior housing options, the Housing for Older Persons Act, possible schemes and scams and the implications of various financial transactions. A specialist can guide you in making appropriate sales decisions and refer you to other experts as needed. Check your prospective Realtor® marketing information experience working with senior clients.

Moving Companies

There are many different moving companies out there to choose from. Many considerations to think about can be price, guarantee/insurance, do they handle cross country moves, do they wrap and box everything for you and are they have a proven track record….are a few to consider.

Always, get things in writing and clearly spelled out. If they are including mileage or is it a flat fee? Do they insure that any scratches/damage taken care of or is there a deductible? What about arriving at your new home on time? Many things to plan ahead for.

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