Buyers

Documents & Resources to Aid your Home Buying Experience

Buyer Reports

Closing Documents

Appreciate all your support and business this summer and fortunately for all of us the housing market in Manhattan remains steady to strong. Just a quick note about some items that are causing agents and Buyers stress in regards to getting closings completed:...
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How Much House Can You Afford?

Determining how much home you can afford, or what payment you feel comfortable with, can be a trying process. Calling lenders, looking at mortgage loan programs and interest rates can be confusing, to say the least. There is an easy way to get started, and give...
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Closing Costs Explained

Here is an overview of the types of closing costs you may incur on your loan. Some are one-time fees, while others reoccur over the life of the loan. When you apply for your loan, you will receive a Good Faith Estimate of Settlement Charges, and a booklet that will...
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Cost of Housing in Kansas vs…

Many clients and customers have asked the question, "Why is housing $50,000 more here than where I live?" Here are some of the reasons: 1. Houses in Kansas have basements. The cost for concrete alone for a 1,500 square foot house with sidewalks and double driveway is...
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Questions to Ask Any Agent

1. How long have you been in residential real estate in our area? If they have not been in local real estate for several years, they have not been involved in the cyclical market that has defined our market to date. Along with this, ask how many transactions they...
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Save Thousands On Interest & Taxes

Purchasing a home can save you money very quickly. FIRST, you'll save on taxes because the interest on your home mortgage is tax deductible. If you rent, your landlord gets the break. SECOND, you'll save on interest payments while keeping the great tax advantage. For...
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Buyer Tips/Resources

Energy Efficient Windows

Single pane, double pane, thermo pane, triple pane windows, plain glass, leaded glass, low "e" glass, wired glass, and tempered glass, too. WOW - There's a lot to know! Some children have been known to shatter a window or two. Tempered glass can prevent this. Fogged...
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Home Heating Sources

Heating and cooling systems are some of the most important investments you'll ever make in your home. Heating and cooling accounts for 44% of your home's energy use. Various systems include electric, gas, propane, oil, and even wood-fired. The method of distribution...
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Insulation “R” Values

The most important thing to be aware of with insulation, other than the safety issues of urea formaldehyde and asbestos (covered elsewhere), is the R value, or the insulating factor. The higher the number, the better the insulator. Don't be too shocked if the...
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Home Insurance

When purchasing a home, you will need to acquire homeowners insurance. In fact, all lenders will require a policy be in force prior to funding the loan. Make sure you have enough coverage, should anything happen. Policies refer to "replacement costs" that may not...
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Lead Paint

All sellers with homes built prior to 1978 are required to fill out a lead-based paint disclosure form and provide you, the buyer, with a lead-based paint educational booklet in any sale. Lead is a highly toxic metal that was used for many years in products found in...
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Plumbing Alert

You will spot several different types of plumbing systems in any housing market, including our own. Copper, galvanized, rigid plastic, polybutylene, and soft plastic are but a few. Certain systems are more prone to having certain problems. Galvanized water pipe is...
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Lap Siding

When you are checking out homes, there are several items in our market you need to be aware of - including man-made siding. A lot has been said about L.P.( Louisiana Pacific) OSB (Oriented Strand Board) products, and they have borne most of the bad press. But did you...
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Thinking of Stucco?

Many newer homes are now being sided with artificial stucco siding, or EIFS (Exterior Insulation Finishing Systems). This is essentially polystyrene foam with a base coat, reinforcement mesh, then another base coat and then a finishing coat of stucco over the top....
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