Pioneer Realty

For most clients, the purchase of a home can be not only the largest financial transaction but also, the greatest emotional transaction. It is a dream come true. You will have to go through a maze of rules, research, credit checks, and negotiations. It can truly be overwhelming. Our patient, dedicated, and knowledgeable team at Pioneer Realty is ready to guide your through this maze and realize your dream.
For starters, we have put together a guide of items to consider when purchasing a home. Got questions? Ready to start? Give us a call.

Am I ready to purchase a home?
Are you ready? Common reasons for not buying are that homes are "too expensive" or interest rates are "too high", or that the buyer wants save for a larger down payment. Housing isn't likely to be getting any cheaper. Waiting will only be likely to lead to paying more for a similar home later or to simply winding up settling for a lesser house.
A very good advice is to purchase a home that you can afford. Build your equity and upgrade to a larger home in the near future. In real estate investing, one basic principle is to begin. Expect to reside in the home for approximately three years to recoup the costs of closing and other costs.
A good understanding of your personal finances and an expert knowledge of the real estate market are essential to a successful real estate transaction. Team Pioneer Realty has a wealth of knowledge to help you prepare your finances to anticipate requests from lenders.

Do You Know What You Want?
Understanding your reasons to purchasing home will greatly help in choosing the house of your dream. Do you need more space for your growing family? Has there been a life style change? Is this an investment?

Sometimes just asking the questions can be a tough start. Team Pioneer Realty understands the dreams, the desires, and confusion that a client might experience. We can help you define your unique needs and find the prefect dream home.

Do You Have The Money?
Financing a home purchase is a key factor in finding the right home. There are a variety of programs available to help you finance a home. Some require very low down payment even nothing down.

Another aspect of financing to consider is closing costs. This is out of pocket expenses incurred by the purchaser. Not to worry. There are loan programs available that also underwrite the closing costs.

Please beware that less money down equals higher monthly payments. This may work for some buyers and for others this may not be a good program. It takes a professional to help you decide which program is best for your unique needs and dreams.

Team Pioneer Realty is ready to help start the process of achieving your family’s dream.

It is time to get a Real Estate Agent. Why do I need one?
Investing in Real Estate can be a very complicate transaction. Which neighborhood is best for me? Which type of home best suits my family’s needs? It is one thing to consider the choices in homes available on the market. It is another to deal with all the forms, financing choices, pricing, and negotiating.

A real estate expert from Pioneer Realty can help guide you through this maze. We can help layout a path from you which you can make informed decisions comfortably. We can provide you with up to date information about pricing, financing, and information about the real estate market.