1. We can help you determine your buying power -- that is, your financial reserves plus your borrowing capacity.
2. We have many resources to assist you in your home search. Sometimes the property you are seeking is available but not actively advertised in the market, and it will take some investigation by your agent to find all available properties.
3. We can assist you in the selection process by providing objective information about each property. Agents have access to a variety of informational resources. We can provide local community information on utilities, zoning. schools, etc. There are two things you'll want to know. First, will the property provide the environment I want for a home or investment? Second, will the property have resale value when I am ready to sell?
4. We can help you negotiate. There are myriad negotiating factors, including but not limited to price, financing, terms, date of possession and often the inclusion or exclusion of repairs and furnishings or equipment. The purchase agreement should provide a period of time for you to complete appropriate inspections and investigations of the property before you are bound to complete the purchase. We can advise you as to which investigations and inspections are recommended or required.
5. We provide due diligence during the evaluation of the property. Depending on the property, this could include inspections for termites, roof condition, septic tank and well tests, just to name a few. We can assist you in finding qualified responsible professionals to do most of these investigations and provide you with written reports. You will also want to see a preliminary report on the title of the property. Title indicates ownership of property and can be mired in confusing status of past owners or rights of access. The title to most properties will have some limitations; for example, easements (access rights) for utilities. Kimberly and Daryl  in conjunction with the title company or attorney can help you resolve issues that might cause problems at a later date.
6. We can help you in understanding different financing options and in identifying qualified lenders.
7. We can guide you through the closing process and make sure everything flows together smoothly.

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:

The Real Estate Settlement Procedures Act (RESPA) statement. This form, usually called a HUD 1 statement, itemizes all the costs associated with the closing. You’ll need it for income tax purposes and when you sell the home. The Truth in Lending Statement summarizes the terms of your mortgage loan. The mortgage and the note (two pieces of paper) spell out the legal terms of your mortgage obligation and the agreed-upon repayment terms. The deed transfers ownership of the property to you. Affidavits swearing to various statements by either party. For example, the sellers will often sign an affidavit stating that they have not incurred any liens on the property. Riders are amendments to the sales contract that affect your rights. For example, if you buy a condominium, you may have a rider outline the condo association’s rules and restrictions. Insurance policies provide a record and proof of your coverage.