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My Bio
A REALTOR® since 2012, Clint spent even more time honing his real estate skills with over 20 years of home construction, maintenance, and inspection experience. He has insight into the structural and functional aspects of homes, making him a unique partner to help with all his clients real estate needs.
He is a life-long resident of Central Ohio and continues to live here with his wife and two girls. He serves on the board of a local youth athletic association and gives back to his community in numerous ways.
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he first step is to assess your financial situation and get pre-approved for a mortgage. Then, you can start searching for properties within your budget and engage the services of a real estate agent to guide you through the process.
Pre-qualification is an initial assessment based on the information you provide to a lender, giving you an estimate of how much you could potentially borrow. Pre-approval, on the other hand, involves a more comprehensive evaluation of your financial background, credit history, and documentation, providing a conditional commitment for a specific loan amount.
The closing process can vary, but it usually takes around 30 to 45 days from the time your offer is accepted to the closing date. This timeframe allows for various tasks such as inspections, appraisal, loan processing, and finalizing the necessary paperwork.
A home inspection is a thorough examination of a property's condition, typically conducted by a professional inspector. It is highly recommended as it helps identify any underlying issues or potential problems with the home, allowing buyers to make informed decisions and negotiate repairs or adjustments if needed.
The down payment amount can vary depending on several factors, including the type of loan and your lender's requirements. In general, down payments range from 3% to 20% of the home's purchase price. However, it's advisable to strive for a higher down payment to potentially secure a better interest rate and reduce monthly mortgage payments.
While it's not mandatory, working with a real estate agent can be highly beneficial. They have extensive knowledge of the market, access to listings, and can help negotiate on your behalf. They also guide you through the paperwork, coordinate inspections, and provide valuable advice throughout the home buying process.
The fair market value is usually determined through a comparative market analysis (CMA) conducted by a real estate agent. It involves assessing similar recently sold properties in the same area, considering factors like location, size, condition, and market trends. Appraisals can also be done by certified professionals to determine the property's value.
Closing costs are various fees associated with the purchase of a home, including lender fees, title insurance, attorney fees, and property taxes. Both buyers and sellers typically have closing costs, but the specific allocation can be negotiated as part of the purchase agreement.
It depends on the terms and contingencies in the purchase agreement. Common contingencies, such as financing, home inspection, or appraisal contingencies, allow buyers to cancel the agreement within a specified timeframe if certain conditions are not met. However, it's important to review the contract and consult with a real estate professional to understand your rights and any potential consequences.
A homeowners association is an organization that manages and enforces rules within a residential community or condominium complex. They typically charge fees for maintenance, amenities, and community services.
