Featured Listing
Sarah Young
Broker
onsitehomes@hotmail.com
919-353-5004
Real Estate 101
FINANCING/MORTGAGE:
Choosing the right type of financing for your new home is a huge decision and a major part of your home buying process. I always recommend my clients talk to a mortgage company before they start searching for their new home. This allows you to determine which type of mortgage is best for you and will give you an idea of what your monthly payment will be. Knowing the right price range of homes to look at will be a big advantage to you. Once the mortgage company has determined your mortgage qualifications they will provide you with a letter of pre-approval. Once you find the home you are looking for and we submit an "Offer to Purchase" you will be required at this time to provide this letter of pre-approval.
Call me for information on our preferred mortgage company's in the Fort Bragg area.
HOME BUYERS:
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. My services and experience range from financial aid to helping you find the home that best suits you and your family. For your convenience, I also provide listings by email. I pride myself on repeat business and hope you'll come to understand why.
As Your Agent, I Will:
1. Assure that you see all the properties in the area that meet your criteria.
2. 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 any costly mistakes, and 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:
1. Check your credit rating. Straighten out any errors before its too late.
2. Determine a comfortable monthly budget for your new purchase, including down payment and monthly payment.
3. Find a loan program that meets your needs and get pre-qualified (preferably pre-approved).
4. Determine what neighborhood best matches your needs.
5. Identify important features you need your new home to have.
Closing Costs to Expect:
1. Lender fees include charges for loan processing, underwriting, preparation and establishing an escrow account.
2. Third-party fees include charges for insurance, title search, and other inspections such as termites.
3. Government fees include deed recording and state & local mortgage taxes.
4. Escrow and interest fees include homeowner's insurance, loan interest, real estate taxes, and occasionally private mortgage insurance.
**Sellers are sometimes asked to pay some or all of the buyers closing costs, this however is negotiable and is sometimes included as part of the offer to purchase your home.
HOME SELLERS:
Selling your home shouldn't be a stressful ordeal. Making the smart move of choosing a REALTOR® is your first step to ensuring that your investment in your home pays off. Our services and experience allow you to focus on your move while we manage your home sale from our initial consultation to the closing deal, and beyond. I pride myself on repeat business and hope you'll come to understand why.
As Your Agent, I Will:
1. Complete a comparative market analysis that will compare your home's value to that of your neighbors.
2. Compile a comprehensive marketing plan detailing all the efforts I will employ to sell your home, including Internet and local media.
3. Present your home to as many qualified buyers as possible getting your home maximum exposure.
4. Help you stage your home and generate curb appeal to ensure you get the highest price.
5. Assist with obtaining offers and help you in negotiating the best deal as smoothly as possible.
6. Help you find your next home and answer all of your questions about the local market area, including schools,
neighborhoods, the local economy, and more. 
Closing Costs to Expect:
1. Broker's commission is a full-service fee and Sarah Young charges only 5%
2. Local property transfer tax, country transfer tax, state transfer tax, and state capital gains tax are the charges that you'll pay for the privilege of selling your home. Credit to the buyer of unpaid real estate taxes for the prior or current year are variable and depend on when you close and when your taxes are due.
3. Sellers are sometimes asked to pay some or all of the buyers closing costs, this however is negotiable and is sometimes included as part of the offer to purchase your home.
4. Home inspections fees are in some circumstances paid for by the seller and include pest, radon and other inspections.
5. Miscellaneous fees can accrue from correcting problems noticed during the home inspection.
CAROLINA LAKES:
239 Carolina Way
Sanford, NC 27332
4 Beds + Bonus / 2.5 Baths
