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Buying Your First Home? Realtors Are Your Professional Guides. Make Sure You Choose a Top
You might be a bit afraid or intimidated by the whole process of buying your first home. As a top Lewiston, Auburn, Lisbon and Southern Maine real estate expert, it's my job to guide you, from beginning to end.
I will take the time to go through each and every step of the buying process. There are no dumb questions!
Together, we will consider:
- How much can you really afford?
- How to qualify for a mortgage.
- How much cash you should put down.
- How to buy a home with little or nothing down.
- What it takes to get approved for financing. What banks and other financial institutions are looking for.
- How much your payments will be.
- The tax advantages of buying.
- Is renting or buying better for you?
Tell me a bit about your situation below. I'll get right back to you. There is absolutely no charge, and I offer this to you with no strings attached. Please fill out the form below...
Do you owe more than your house is worth?
Are you behind on your mortgage payments?
Do you need to sell your home quickly?
Do you have questions regarding foreclosures and/or short sale?
Are you concerned about how your credit will be affected?
If you answered yes to any of the above questions, Fontaine Family - The Real Estate Leader can help. Unfortunately, there is a lot of misinformation and confusion regarding these issues and a very select few that grasp how to successfully lead their clients through such an important financial process.
The experts at Fontaine Family - The Real Estate Leader undstand the affects of this tough market. We have extensive experience in negotiating with banks to significantly reduce your mortgage so that you can sell your home. The result is a smooth transaction and most importantly a stress-free experience for the homeowner.
The key to a successful short sale is having a knowledgable real estate professional on your side. Our clients will attest to quick sales and aggressive bank negotiations. Some have even received cash back for moving expenses. All with the added benefit of protecting your credit against a foreclosure.
Don't hesitate to gather useful information for such an important decision. Give us a call for a friendly and no obligation phone consulation at 207-784-3800
HOW TO AVOID FORECLOSURE
Short Sales most frequently asked questions
• What is a short sale? A short sale occurs when the net proceeds from the sale of a home are not enough to cover the sellers’ mortgage obligations and closing costs, such as property taxes, transfer taxes, and the real estate agent’s commission. A short sale is an alternative to foreclosure which may benefit both lender and borrower alike. The lender is getting paid back much of the money which it lent to the borrower as well as getting rid of the property. The borrower is getting out of their mortgage without having to go through foreclosure proceedings or expend any more money towards the home. Typically, the lender pays practically all sales costs including repairs, escrow and title fees and realtor commissions.
• How do I know if a short sale on my property is right for me?
• If I do a short sale, what do I have to pay to sell my home?
• How do I get started on the short sale process?
• What “hardship” is acceptable for a lender?
• I have two loans, can I still do a short sale transaction?
• I am concerned about my credit, how will a short sale affect my credit?
• For the answers to all these questions & more call pre-recorded 24 hr hotline for free report 1-800-784-5451 code 3201 or call us directly at 207-784-3800
HOW TO AVOID FORECLOSURE WITH THE SHORT-SALE SELLER RESCUE PROGRAM
CALL OR E-MAIL FONTAINE TEAM FOR FREE REPORT!
Not all Real Estate Agents Are Qualified Short-Sale Experts!
Here are 10 questions to ask your real estate agent before you sign on the dotted line…
1. Can my real estate agent explain the short-sale process to me?
2. How do I know if my property will qualify for a Short Sale?
3. Does my real estate agent know what information I will need to provide to the lending institution?
4. Does my real estate agent know what “hardship” categories qualify me as a short-sale candidate with the lending institution?
5. Does my real estate agent know how to create an effective short-sale strategy?
6. Does my real estate agent have prior experience and specialize in working with homeowners and lending institutions to create a short-sale transaction?
7. Does my real esate agent know how to market my home, since timing is essential?
8. Does my real estate agent know how to price my home?
9. Does my real estate agent have a pricing/marketing campaign for 14,30 and 45 days?
10. How do I know if I am really comfortable with the real estate agent I am selecting?
Call The Brenda Fontaine Family team to Answer your Short Sale Questions….
Call 1-800-784-5451 Code 3201 pre-recorded 24 hour hotline to receive your FREE REPORT
Real Estate Tips
Buying Land and New Construction >Buying New or Buying Old
New homes typically have a higher sales price than comparable existing homes, and buyers are usually willing to spend more on a new home because of lower maintenance costs. Builders' warranties on new homes, when combined with a new roof, appliances, and major systems, usually make major repairs unnecessary and help to counter a slower initial rate of appreciation.
Census Bureau Housing Surveys suggests that operating costs are lowest for brand new homes and slightly higher for relatively new existing homes. Operating costs per square foot of living space are consistently higher for progressively older existing homes. Utility costs represent the largest factor in operating costs. Energy consumption per square foot depends on the size of the home, the insulation and quality of the windows, air leakage and the efficiency of the furnace.
New homes require fewer expenditures for routine maintenance. The cost of maintenance first increases with age, then declines, so you will generally spend less maintaining a home built before 1960 than for a home built between 1970 and 1975.
Real Estate Trivia
What time of year is considered the busiest for homebuyers and sellers?
Real estate is a year-round business, but spring is still considered the best time of year to showcase a home.
|See More Real Estate Trivia >
Fontaine Family - The Real Estate Leader
336 Center Street
Auburn, ME. 04210
Brenda Fontaine became a Real Estate Agent in 1983. Brenda has helped over 5000 families buy and sell their home. Brenda ranked NUMBER 1 for a nationwide franchise for "Top All Around Realtor" for 6 years. Brenda's success is due in part, to her caring attitude, her consistent follow through and also her strong work ethic. Brenda is supported by an experienced and dedicated team of licensed professionals that consist of a client care manager, Melissa Field, marketing manager, Crystal Bergeron, showing/feedback coordinator, Angie Larochelle, field Coordinators, Claude Fontaine & Tammy Soucy, listing manager, Marie Beaulieu, Business Development, Karen Gruver and ten Listing & Buyer agents, Bill Bergeron, Clayton Larochelle, Beth Favreau, Deb Morin, Nick Trider, Harriet Cummings, Pat Long-Cressey, Chad Sylvester, Nate Rudy, Cindy Morin & Jeanne Martin. The Family team of nineteen licensed professionals work together to help families buy and sell their property. They want to be your "Realtors for life" and they will give you superior service to earn that honor.
The Wall Street Journal recently posted America's Top Performing Real Estate Professionals on their website. (wsj.com) Amongst the top 1,000 is local real estate team of professionals The Fontaine Family Team who ranked 46th on America's Top Performer list, located at 336 Center St. Auburn, ME 04210
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