Purchase a Home

Anyone who has ever bought a home can tell you how stressful, frustrating, and inconvenient the whole process can be.  However, as a Real Estate Store client, we lessen the stress of home buying by personally taking you through the mortgage process.

Welcome

Welcome to the Real Estate Store! Your one stop shop for regional real estate services...

Lending Institutions

We partner with a number of lending institutions to find the right program to fit your credit needs...

Homebuying Seminars

We offer quarterly 1st Time Homebuyers and Investment Property Seminars when necessary...

Success Through Investment

We will empower your success through property investment to place you on the road to prosperity...

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Find a Home

When looking for a home, we suggest that you arm yourself with a pre-approval letter, and decide which house to buy by evaluating your current and future housing needs.

Sell a Home

The Real Estate Store will provide you with free market analysis and also help you understand the process so you can make smart decisions every step of the way.

Purchase a Home

Buying a home can be stressful and frustrating. As a Real Estate Store client, we lessen the stress of home buying by personally taking you through the mortgage process.

Rent vs. Own

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Almost everyone is overwhelmed by the legal and financial red tape they believe surrounds the purchase of a home. So, the easy way out is to just keep paying rent. We have a better solution for your future!

How Much Can I Afford?

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If you are a first-time home buyer, the price you can afford to pay for a house may well be limited by your ability to come up with the required down payment and closing costs.

Mortgage Facts

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Your home is collateral for your mortgage loan, which is also a legal contract you sign to promise that you'll pay the debt, with interest and other costs, typically over 15 to 30 years.

Purchase a Home

The Old Way!

It used to be that when you decided to buy a home you would look in the newspaper, visit some open houses, talk to some Realtors or Builders, and eventually find the house you wanted. Then, you would make an offer on the house, and if your offer was accepted, you would meet with the mortgage lender to try to get a loan so you could buy the house.

 

A Better Way!

Before you even start looking at homes you make an appointment to meet with Sharon Nowlin of FNMC for Pre-Approval.  She will run a FREE copy of your credit report and review it with you. She will analyze your income and expenses, and show you how much home you can qualify for.

Next, we will fill out loan application information. You will be given a list of everything you'll need to bring. Once your loan application has been taken, you can begin to look at homes with a Pre-Approval / Commitment Letter from Sharon Nowlin that explains the mortgage loan for a specified amount. This means that when you're ready to make an offer on a home, the Seller will know that you have already made arrangements for your financing, and that there is no question of your being able to come up with the money to buy the home. This puts you in a stronger bargaining position. This commitment letter is like having the money already in your pocket.  Many of our customers tell us that they have been able to save 2-3% of the purchase price as a result.

Upon signing a real estate contract there will be an appraisal ordered on the home you decide to buy. (To protect you and the mortgage lender, an appraisal is done to make sure the property is worth at least as much as you are paying for it.) This means that you will be able to close on your new home at your convenience with no worries about whether you'll be approved. No last-minute request for additional documentation - no hassles! You can concentrate on moving into your new home

 

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