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Displaying blog entries 21-27 of 27

Ames - Live The Simple Life

by Tom Randall Real Estate Team

AARP has ranked Ames, Iowa as one of the top 5 cities to "Live The Simple Life".

http://www.aarpmagazine.org/lifestyle/the_simple_life.html?generalStatus=Thanks%21%20Your%20email%20has%20been%20sent.

Ames Iowa Real Estate - Our Pledge to Our Customers

by Tom Randall Real Estate Team

Here at the Tom Randall Real Estate Team in Ames Iowa we are committed to providing our clients with the necessary information they need to get them their new home in the time frame and price range they desire with the fewest hassles. 

OUR PLEDGE TO OUR CUSTOMERS

To provide unsurpassed service to help you buy your home in the shortest time, with the least inconvenience to you, we will...

  • Explain real estate agency relationships
  • Initiate and maintain constant and continuous communication with you
  • Carefully analyze your needs, being sensitive to your special requirements
  • Orient you to current market conditions
  • Provide helpful community data
  • Explain local real estate practices and procedures
  • Provide information on lenders and financing alternatives
  • Thoroughly analyze the entire inventory of homes on the market
  • Coordinate appointments & professionally show all properties of interest that meet your needs
  • Provide relevant market data as to fair market value of homes
  • Disclose all material defects of the property that are known
  • Carefully explain and prepare offer to purchase forms
  • Arrange to present all offers to seller in a timely manner
  • Conscientiously facilitate the negotiations for the best possible price and terms
  • Explain post-purchase activities and responsibilities
  • Follow up on post-purchase activities
  • Keep in touch with you after moving day

If this sounds like the kind of service you're interested in don't hesitate to contact our Buyer Specialist below.

K'Lynn Lynn

515-232-5700

klynn@tomrandall.com

Ames Iowa Real Estate - Let us help you!

by Tom Randall Real Estate Team

Here at the Tom Randall Real Estate Team in Ames Iowa we are committed to providing the information  you need to buy or sell your home.  There are some great homes in Iowa and we are here to get you in them at the best price, with the fewest hassles, in the time frame that works best for you.

LET US HELP YOU!

Buying a house can be confusing at times.  There are many different directions and options.  But no matter where you find a home you may be interested in seeing, you need only call the Tom Randall Real Estate Team for help.  Because we share a cooperating relationship with all real estate offices within our community, it means we can show you properties that are listed with us or any broker in our area.  We can also assist you in "For Sale By Owner" transactions.  Just call the Tom Randall Real Estate Team at 515-232-1685 for all the information you need!

  • Hear about a property for sale? Give us a call and we'll search out the details for you!
  • See a sign? We can show you properties that are listed with us or any broker in our area.  We can also assist you in "For Sale By Owner" transactions.
  • Want to visit an open house? If we cannot accompany you, please either do not sign in, or sign in & put "The Tom Randall Real Estate Team" after your name! We can also provide you with an Open House Guest Pass.
  • Want to tour a new construction project?The Tom Randall Real Estate Team will need to accompany you to the property on the initial visit.  By letting us help you with builders, you get all the services offered we offer, as well as those offered by the builder...with out paying more for it!

If you would like any additional information about buying or selling your home do not hesitate to call the Tom Randall Real Estate Team at 515-232-5700. If you are looking into buying, you can call our exceptional Buyer Specialist below:

K'Lynn Lynn

(515)232-5700

klynn@tomrandall.com

 

Ames Iowa Real Estate - Steps to prepare for Homeownership

by Tom Randall Real Estate Team

Here at the Tom Randall Real Estate Team in Ames Iowa we are committed to providing all the information buyers need to find the right home, at the right price, in the time frame they desire.

Steps to prepare for home ownership

1.  Don't start looking at homes before you know how much home you can afford.  Select a lender and determine how large a mortgage you can afford.  Also explore different loan options and decide what's best for you.

2.  Determine if you have enough saved to cover your down payment and closing costs.  Calculate the costs of home ownership including property taxes, insurance, maintenance, and association fees, if applicable.

3. Develop a wish list of what you'd like your home to have.  Then prioritize the features on your list.  Be picky, but don't be unrealistic.

4. How long do you hope to stay in this home? This decision may indicate what type of home you'll buy as well as the type of mortgage terms that suit you best.

If you have any questions about buying a home, or need any assistance in finding the perfect home for you contact our buyer specialists at the numbers or email addresses below.

                         Haley Pick                                        K'Lynn Lynn

                         (515)232-5700                               (515)232-5700

                         haley@tomrandall.com                  klynn@tomrandall.com

 

 

Ames Iowa Real Estate - Common Closing Costs for Buyers

by Tom Randall Real Estate Team Ames Iowa Real Estate

Here at the Tom Randall Real Estate Team in Ames, Iowa we believe in providing as much information to our clients as necessary. 

Common Closing Costs for Buyers

The lender must disclose a good faith estimate of all settlement costs.  A check to cover your closing costs will probably have to be a cashier's check.  The title company or other entity conducting the closing will tell you the required amount for:

  • Down payment
  • Loan Origination fees
  • Points, or loan discount fees you pay to recieve a lower interest rate
  • Appraisal fee
  • Credit report
  • Private mortgage insurance premium
  • Insurance escrow for homeowners insurance, if being paid as part of the mortgage
  • Property tax escrow, if being paid as part of the mortgage. Lenders keep funds for taxes and insurance in escrow accounts as they are paid with the mortgage, then pay the insurance or taxes for you.
  • Deed recording fees.
  • Title insurance policy premiums
  • Survey
  • Inspection Fees - builiding inspction, termites, radon etc.
  • Notary fees
  • Prorations for your share of costs such as utility bills and property taxes

If you have any questions about this or any thing else related to buying or selling real estate don't hesitate to contact the Tom Randall Real Estate Team at (515)232-5700, or email a Buyer Specialist at haley@tomrandall.com or klylnn@tomrandall.com.

 

Ames Iowa Real Estate - $8,000 Home Buyer Tax Credit

by Tom Randall Real Estate Team

There is a great program out there for First Time Home Buyers that gives them an $8,000 tax credit.  You have to purchase a home in the 2009 calender year so please click on the link below to get more information.

http://www.federalhousingtaxcredit.com/2009/home2.html

Ames Iowa Real Estate - Should I Buy a Home Now?

by Tom Randall Real Estate Team

I'm often asked if this is a good time to buy a home. Some clients are concerned that home prices may fall further than they have already. They are assuming that the best course of action is to wait for the bottom in the market and then buy. The problem with this approach is that you don't know where the bottom is until you see it in the rear view mirror, meaning until you've missed it!

Home prices are one factor in determining your cost of ownership, but so are interest rates and financing availability. Even though interest rates have gone up in the last six months, they are still near historic lows. Since your monthly mortgage payment is a combination of paying down your principal and paying the interest owed, if home prices come down a little further but interest rates go up, it could cost you even more to service a mortgage on an identical home!

While a home is a major investment, it is also the center of your personal life. It's important to live in a home that reflects your taste and values, yet is within your financial "comfort zone." To that end, it may be more important to lock in today's relatively low interest rates and low home prices, rather than to hope for a further break in prices in the future.

Please give me a call if I can be of any assistance in determining how much home you can afford in today's market.

Displaying blog entries 21-27 of 27

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