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Home Purchase Basics

Congratulations on your decision to buy a new home! There are many important things to consider throughout the process, especially if you're a first-time homebuyer. Here's some information that will keep you on track.

In General....

A home purchase may be your largest financial transaction to date, so it's important to make the right decisions and to keep an eye on the details. With the assistance of your Real Estate Agent and Keystone Financial, it should be an efficient, pleasant, and ultimately rewarding experience.

Count On Your Real Estate Agent To:

  1. Preview available homes to weed out those that are overpriced, or undesirable in some other way.
  2. Present the homes that suit your needs as you've defined them.
  3. Help you determine the difference between a "good buy" and a property which, because of its nature (neighborhood, market appeal, etc.), might have to be discounted if you decide to sell in the future.
  4. Negotiate the best deal for you.  With a Pre-Approval letter from KFS in hand, your Real Estate Agent will be able to demonstrate that you are a qualified and capable borrower. A Pre Approval from KFS should  influence the Seller, and may make the difference between the Seller accepting your offer or someone else's -- even if your offer is lower! Our excellent reputation in the marketplace is known throughout the Real Estate community Since 1988.

Count On Keystone Financial Services To:

  1. Meet and Exceed your expectations in selecting KFS to originate this loan.
  2. Assist you in selecting the best loan rate and term that best accommodates your
    borrowing needs.
  3. Assist you in determining when to "lock" a rate of interest.
  4. Keep you and your Realtor informed of your loan status throughout the process.
  5. Produce your commitment and close in a timely fashion.
  6. Promptly return any voice mail in a timely fashion.
  7. Protect your personal information.

Count On Yourself To:

  1. Keep your Real Estate Agent informed of any questions or concerns as they develop.
  2. Keep the process moving by providing documentation and decisions as soon as reasonably possible. By doing so, many of the details are taken care of early in the process so you can comfortably concentrate on any last-minute details or events that require your attention.
  3. Enjoy purchasing your home, but do remain objective throughout -- to make the business decisions that are best for you.
  4. Pre-approved as early as possible. 
  5. Be flexible relative to a contractual closing date.
    We fully intend to close your home loan on time!
    Underwriting conditions that are not satisfied or New Federal Disclosure Regulations  can cause a closing to be postponed.
    If you schedule movers, furnishings or contractual improvements shortly after closing, make sure you and the vendors are flexible if their service needs pushed back due to a closing being postponed. Again, we FULLY INTEND and ARE FOCUSED on assuring you of a timely closing. It is exceptionally rare if we ever miss on a closing date, but
    we all are living in a new  regulated environment that can unintentionally impact a contractual closing date. 
Mike Flynn
Keystone Financial Services
Direct:  (412) 676-9689
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