For Home Buyers

Buying a home is an exciting time in one's life. Taking the time to choose the right REALTOR® is the "first" step in ensuring that your new home and community meet your needs. Understanding the importance of optimizing your credit score is a good "next" step. My services and experience range from financial aid to helping you find the home that best suits you and your family, both as a home and as an investment. For your convenience, I also provide listings by email. I pride myself on repeat and referral business and hope you'll come to understand why.

1st Time Home Buyer???

Search ALL listings at www.SearchNCNow.com

How I Can Help
Before you start looking
Closing Costs

As Your Agent, I 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.

2009 Property Taxes:

To get an estimate of how much property tax you will pay each year, multiply your home's tax value (see tax record) by the proper multiplier(s) from the below table. For example, if your home has a tax value of $100,000 and is located in Cabarrus County AND in the City of Concord, you would multiply $100,000 by .0105 (.0063 + .0042) and you'd find that you will pay $1,050 per year in property taxes.

Cabarrus County	.0063
Concord	.0042
Kannapolis	.0049
Midland	.0014
Harrisburg	.00125
Mt Pleasant	.0044
Locust	.0036

Mecklenburg County	.010175
Charlotte	.002798
Cornelius	.000962
Davidson	.001862
Huntersville	.001112
Matthews	.001537
Mint Hill	.000962
Pineville	.001412

Find out how much your closing costs could be.

For Home Buyers

Bill Ahls