The Carter Team

"Madison's First Choice in Real Estate"

                     Tips For Buyers

We know buying a home is one of the most significant events in your life.  There are so many things to consider in choosing your dwelling place; is this where I want to bring up my family, that's a lot of money, can we afford it, schools, & etc.  The goal of this page is to provide you with some information so you can be comfortable and knowledgeable in your decision.  Remember you can call Tom or Pat any time with any question or concern.

Before buying ask yourself  "What am I looking for in my dream home?"

• Do I want a new construction home or a pre-owned, do I want to locate in Huntsville or Madison, in a subdivision, or in one of the communities in the county.
• How far do I want to live from work, school, church, or shopping?
• What type of home?   Consider different styles, the number of bedrooms, bathrooms, size of yard, price range.

What is your buying range?

• A copy of your credit report will help prevent any surprises.

            Check for:

                Errors - is the data correct?  Call credit bureau with any corrections.

                Accounts that are opened but not used - close unnecessary open credit accounts

                Late payments - be prepared to explain.

• Pre-qualify or obtain pre-approval from a lender

                Pre-qualification assesses your ability to qualify for a loan.  The lender will ask

                questions about your finances and provide you a pre-qualification letter.

                Pre-approval means you are ready to buy, you have provide your lender with

                the necessary documents and they have made a decision on the loan amount.

                This will help us get better terms for you and could be the seller's deciding

                factor to accept your offer. 

Let us get to know you. 

• It is important that we have the opportunity to learn your likes or dislikes in a home.  We would not want to waste your time showing you homes that you would not or could not live in.  We can answer any questions and will use our knowledge of the area's listings to find and show you the homes suited "just for you".

                                             Checkout our Mortgage Calculator

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