Dolores Gaskell Chesterfield Township, MI 48047 Phone: 586-438-3038 Fax: 866-611-5601 Email Dolores

Down Payment Help


Click on one of the links to find is there is a Down Payment assistant program that you may qualify for.

 

May_be_available


My Home Buying Services!



I take the buying process as seriously as my buyers do, therefore I offer nothing but the highest quality of service to my clients. When you decide to purchase your home, make sure you hire someone whom you can trust and someone who wants to earn your business. Buying your home is one of the most important purchases you will make, so make sure you have the right agent who can provide you with the experience and the service you deserve.

When you understand current market conditions, you are better able to position yourself as a Buyer. It helps to know if you are in a Seller's, Buyer's or Balanced market. As a Seller, setting your asking price in a Buyer's market means a lot more competition and Buyers have plenty of choices and room to negotiate, forcing you to be very competitive when setting your price. This year looks like the opportunities for buyers will continue. 2012's forecast is to be a great year to purchase real estate! Rates are still at all time lows!  Most are still under 4%.

So, Buyers are in a great position in today's market, but if you are a Seller looking to buy don't despair. You'll have the same opportunities when you become a buyer.

Here are some of the steps I will take to find your perfect home:

Determine Your Wants and Needs
This is the single most important step. By asking you a series of questions I will establish what you are looking for. My goal is to not waste your time by looking at properties that are not in your price range or homes that don't meet you needs. Throughout the buying process I will maintain your confidentiality and represent your best interests.

Help You Get Pre-Qualified and Pre-Approved
This step will show you how much you can afford.  This is accomplished by speaking with your financial institution and establishing what monthly payments you will be comfortable with.
Give me a call if you aren't sure what type of loan is best for you. I'll explain before you even have to talk to a lender.

Home Shopping
I will use every available method to locate a property that matches your search parameters.  This will include properties listed, properties that are offered through other real estate companies, as well as unlisted properties.  I will disclose all known facts about the property that are likely to affect your decision. When I find the home that meets your criteria, I will assist you in writing an offer and act as a liaison between you and the seller.
And as a buyer's agent I work in your best interest...not the Seller's.

Go to Search MLS to start looking for your perfect home now whether Macomb County, Oakland County, and many neighboring areas in Michigan or go to my Listing Book website (above) to get a free account to search for homes. Call me at 586-438-3038 if you're ready to look at homes, and I'll do all the work for you!


 

To enhance your buying experience, it’s my job as a real estate professional to provide you with as much valuable information as possible. It is essential that you be aware of all aspects of the real estate market before making a major decision. Whether it be through newsletters, checklists or news articles, I am here to make this process stress-free and rewarding. Click here " free reports " to see all of what you can receive today!

Afraid of "jumping-in" the market?  Many buyers have felt the same way, but if you just need some straight answers without any pressure to buy, you'll get a FREE one hour consultation in the privacy of your home with no obligation or cost.  Just call me at 586-438-3038! 


INTEREST RATES FOR MSHDA HOMEOWNERSHIP LOAN PROGRAMS Click here to see the current interest rates!

 

Are you a first time buyer or someone who hasn't owned a home in the last three years?

You may qualify for downpayment assistance through the Michigan State Housing Development Authority (MSHDA).  Call me for all the details!

 

For many low-to-moderate income homebuyers, saving money for a down payment can be a challenge. Let the Michigan State Housing Development Authority (MSHDA) help you "close the deal" with our Down Payment Assistance Program. See a participating lender for details.
 
PROGRAM HIGHLIGHTS
  • Zero-interest, non-amortizing loan with no monthly payments.
  • Maximum assistance is $7,500.
  • Available with MSHDA's FHA or Rural Development first mortgage.
  • Funds may be used for down payment, closing costs, prepaid/escrow expenses and a home inspection performed by a licensed home inspector.
  • The loan is due upon sale or transfer of the property or if the first mortgage is refinanced or paid in full.
BORROWER GUIDELINES
  • Available to low-to-moderate income homebuyers. Household income limits vary depending on location and family size.
  • Sales price limit is $224,500.
  • Borrower must complete a homebuyer education class.
  • Minimum borrower contribution of one percent of the sales price.
What is a Short Sale?
Get this information if you are considering buying or selling "Short Sale".
First Name: 
Last Name: 
Email: 
Phone: 
Comments: 
 
* * Maximum of 2000 characters