You can do this on your own at annualcreditreport.com and it should be free - be wary of any site that asks for payment information other than this. Also, don't signup for any services such as monitoring because it probably won't help on your quest to become a Southern Utah Home Owner :-) There are other ways to check credit, but if you want to buy a home in St. George the easiest way is to check with a lender and have them pull your credit and they will probably do so with no charge.
If you're not paying cash for your home in St. George, Utah - then you're going to get a loan. We can figure out how much you can afford using the standard ratios provided by Fannie Mae and Freddie Mac. These will vary based on the type of loan you get such as FHA or conventional financing. Our agents here at Vista Real Estate St. George can help you determine how much you can afford. If you have a lot of credit card debt we can also find someone in St. George who can help you get this turned around so you can afford more home. Might as well spend it on your own home instead of paying this to the credit card companies!
We don't want to toot our own horn...but, toot toot. You already found your St. George, UT real estate agent! You're hear and we will do everything we can to protect your interests by finding you the best deal in southern Utah real estate. Whether it's a home or a condo, lot, or townhouse - we are here for you. No matter how big or small the purchase we treat all our clients the same - as if we are negotiating with our own money.
We always help you shop around for the best deal. Sometimes it's a credit union due to lower fees, but we deal with a lot of mortgage brokers here in St. George that will match or beat their prices. We also have relationships at the local banks so we can price compare all the various costs to obtain a loan in St. George. If you're looking to build a home in southern Utah we can also recommend many lenders who have a one time close - a construct to perm loan. Most people don't know that a lot of these fees the lenders charge are negotiable and you need an agent who will negotiate for you on this as well. Did you know many lenders/brokers make more money on a loan if they can get you to pay a higher rate? Don't settle for standard fees.
We offer lots of tools with automated emails to send you the most up to date listings on the market. However, this isn't always enough to get the home of your dreams. We have relationships with many property owners, builders, and agents who don't have properties on the MLS. Sometimes - these relationships come in handy so we know if your dream property is for sale, but "off the market".
Toot Toot - there it is again. We know the market values and we don't want you to pay more than market says you should. We will negotiate the best price possible until you leave our side thinking you got a value for your money. The home is the single largest investment in your life and we respect that.
Lots of options...FHA, VA, Conv? We'll direct you to the best loan because we can't make any money off the loan...that's the law. We will tell you when you're paying too much in fees, rates, etc. We don't usually recommend adjustable rate mortgages because that's what got us in the last recession, but maybe it fits. We also love our VA qualified Veterans of the United States Military - in fact - we have some right here in the office. We can show you how to save money on fees and negotiate the best rate with lenders. The right questions - at the right time.
We'll do a final walk through with you days before you sign. We do this in case we find holes in the walls, dirty bathrooms, or random garbage in the yard/patio. We'll get the seller to make sure you're new home is in tip-top shape.
Once the walk-through and repairs are done - it's off to the title company to sign papers and wire funds. We're there for every step of the way. We're there at every closing because we want to answer any questions you have during the process. Not only is it a courtesy - it's the law! Not all agents attend their closings, but we do. If you're located in another area - we're there by phone while you sign.
After signing - the closing happens within a couple days - usually within 24 hrs...then it's all yours!
We did it! Well...almost entirely you, but we did it! You're ready to move in and it's time to enjoy the good life that St. George has to offer. Be proud knowing you got the best deal on the home you just purchased, best deal on your mortgage rate & fees, and the best new friends you could ask for...us! Just because the deal is closed and you're moved in doesn't mean you can get rid of us...we're in this for the long haul! Friends for life. :-)