Are You Ready

Vision Realty, REALTORS®
Believe in the American Dream of Home Ownership.

Knowledge and experience are the keys
to successful real estate transactions.

VisionMena.com
contains an enormous amount of valuable information.

The Real Estate Professionals at Vision Realty have years of experience and training that can be the essential keys to your successful home purchase.

One of the keys to making the home buying process easier and more understandable is planning. If you plan ahead, you'll be able to anticipate requests that lenders will make during the home application process and the paperwork that will need to be completed during the buying process.
Planning ahead turns into valuable shortcuts.

Do You Know What You Want?

Whether you are a first-time homebuyer or entering the market place as a repeat buyer, you need to ask why you want to buy.
   Are you planning to move to a new community due to a lifestyle change?
   Is buying an option and not a requirement?
   What would you like in terms of real estate that you do not now have?
   Do you have a purchasing timeframe?

Whatever your answers, the more you know about the real estate marketplace, the more likely you are to effectively define your goals.

It can be worthwhile to look at the questions above and
then discuss them in detail when meeting with a
Vision Real Estate Professional.

Homes and financing are closely intertwined. (Financing is the difference between the purchase price and the down payment, commonly referred to as "debt or the mortgage"). Over the years new and innovative loan programs have evolved which require a 5% or down payment or less. There are a number of programs now that allow purchasers to buy real estate with nothing down.

In addition to a down payment, purchasers also need cash for closing costs (the final costs associated with closing the loan). Several loan programs not only allow the purchase of a home with no money down, but also underwrite the closing costs.

It may also be possible to negotiate an offer for a home that requires the owner to pay some or all of your settlement expenses.

These great loans with little or nothing down are not available to everyone. You need good credit. For at least one year prior to purchasing a home, you should assure that every credit card bill, rent check, car payment and other debt is paid in full and on time.

Remember,
we're here to guide you through the home buying process!
That's what we're trained to do best!

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This Community Web Site, www.VisionMena.com has been brought to you by
Vision Realty in Mena Arkansas, REALTORS®
500 Mena Street, P O Box 192, Mena, AR 71953
479-394-1111 ~ Fax: 479-394-0003 ~ Copyright 2001 through 2008
07/21/08 08:25 AM