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Buying - Real Estate

You have many options with buying real estate in today market.

Maybe you are buying foreclosures for yourself or as an investment for rental property, looking to upgrade at the new lower prices, or maybe you are just looking to buy a house and stop paying rent.

Now is the time to BUY!

Knowledge is key in today market. Our team has specialized knowledge in many areas so we can help buyers with:

Foreclosures....Short Sales....Pre-Foreclosures
First Time Home Buyer - you could even have owned a home before and still qualify!
Residential...Rental Property...Investment Property
It all starts with knowing what you can afford...the right Mortgage plays a big part
We know the St Louis, St Charles and surrounding areas if you are relocating

On the surface these seem like normal things that all realtors should know. But the reality is that the market has changed so much since 2008. We have spent much time and money keeping our knowledge up with the new developments in real estate world. This is where our TEAM approach really sets us above other single realtors that are trying to keep up all alone.

Foreclosure

Foreclosures can be a great way to purchase your next property. Contrary to what you might think ALL price ranges of homes are foreclosed on.

A foreclosure means that the bank had to take back a property for a someone that couldn't afford it any more. Once that happens the banks contact "Special Realtors" call "REO Agents" to help them sell their properties.

Therese Palmer is an "REO Agent" and knows about foreclosures inside and out. If you are interested in knowing more about the PROs and CONs to buying foreclosures check out our Foreclosures Section.

Short Sale

Short Sale has recently entered into the public conversation. Newspaper and TV shows have been talking about Short Sales. They have been around for many decades. It just wasn't common knowledge.

What is a short sale? It's where a bank will let someone sell their property (home, land, rentals, etc...) for less than what they owe on the property. In other words the Bank "Shorts" the amount paid back to them to payoff the outstanding loan against the property.

Ashley has been handling short sales for many years. The rules change all the time. Experience has made her one of the best agents in the St Louis area for handling a short sale transaction. Both agents are asked to speak to other realtors about how they do short sales.

For more information about how to buy short sales and what to expect just visit our Short Sale section

Mortgage

Mortgages dictate what you can do as for as purchasing real estate goes. While some people are able to purchase property with "Cash", most people will need to use a mortgage. Understand we are not experts with mortgages and we do refer clients to mortgage brokers and bankers. We do have knowledge of mortgages and what it means when purchasing your next property.

In our minds clients need to be informed on all the different mortgage programs that do exist. Such as the First-Time-Home-Buyer program or FHA programs.

Mortgages have many terms that are used. What we would like to do is educate you on the terms that are used so that when you are talking to a mortgage broker you aren't overwhelmed by the jargon. Also there are many different types of loan structures that are available depending on your income, job history, veteran status, if you have owned before, what type of property, and of course your credit is most important.

For more information on terminology, loan programs, and loan types, we have put together a Mortgage section to get you started.

Investors

Investors have one the best opportunities ever with today's market. Banks and homeowners are in trouble and you can help. Whether you are looking to buy fix and sell, buy hold, or anything in between, we have the knowledge and experience to make sure you are successful.

For us it's not about just selling you a property. It's about making you successful so that you buy more houses or property from us. We are or have been investors ourselves and know what it takes to make money with real estate. Don't let someone just "talk" you into a transaction or deal. Make sure the numbers work for what you want to do.

If you are interested in buying foreclosures, short sales, rehabs, rentals, farms, land, or commercial, we have been there ourselves not just talked about it. Visit the Investors section for much more information. We educate so you don't make mistakes like we had to.

Relocation

Relocating to our area? We are here to help with all of our resources making your transition as smooth as possible. From long distance closings, to finding the right property in a weekend or day.

Consulting over the phone will help us completely prepare for your house hunting. We line up all the potential properties for your viewing. Working with your timeframes and desires is our main priority.

Handling transactions in multiple areas is a breezy with our use of technology and title companies. For more about our service visit our Relocation section.