Home Buyer Resources

As a licensed real estate professional I provide much more than the service of helping you find your ideal home. I am a Realtor®. Realtors are members of the National Association of Realtors (NAR) and must abide by a Code of Ethics and Standards of Practice enforced by the NAR. A professional Realtor® is your best resource when buying your home.

In addition, I am experienced with real estate investing for home owners and investors, an expert negotiator with other sellers and other agents, and superb navigators around the local neighborhood.  

Buyer's Agent  Whether you're looking for your first home or an investment property, I'm committed to putting together the right people with the right properties.  When making the type of investment that buying a home requires, you deserve to have all the information...information that I can provide you.  To protect your interests and assure that you make the best possible decisions, it's important that you have an agent on your side who is an expert in the local real estate market.

$8,000 Tax Credit for 1st Time Homebuyers  As part of its plan to stimulate the U.S. housing market and address the economic challenges facing our nation, Congress has passed legislation that grants a tax credit of up to $8,000 to first-time home buyers and up to $6,500 for other purchasers. Rhonda will show you how to qualify. Click Here to Find Out How it Works. Buy Now, it Expires April 30th. Rhonda Will Guide You Through the Home Buying Process I will show you how to successfully navigate through the home buying process and into the home of your dreams, At No Cost to You!  I will advise you and empower you to find the right home, in the right location, at the best price and terms...for you. Click Here For More Information.  Want a Home, But You Are Unsure About Your Credit? Don't allow past credit issues keep you from taking advantage of today's low sales prices. You can Purchase a Home Without Bank Financing. Rhonda has an exclusive list of properties where the Sellers are willing to finance your home purchase while you restore your credit. Click here for more information on Owner Financed Properties    Click here to find out what you can do to restore your credit. Rhonda Offers Buyers Free Valuable Reports Please feel free to take advantage of my topical reports, tips, and videos that will educated and empower you regarding the purchase of your home.  You can find out:  5 Things to Avoid When Buying a Home How to Buy a Bank Owned Property 6 Creative Ways to Afford a Home Tips for Lowering Homeowners Insurance Costs How to Breeze Through a Loan Application And Much More!

Find out about my Personal Guarantee, and my Client Appreciation Program.

Let Me Represent You

• As a knowledgeable Realtor®, Rhonda can save you endless amounts of time, money, and frustration.
  
  
• As a knowledgeable Realtor® Rhonda knows the housing market inside and out and can help you avoid the "wild goose chase."
  
  
• As a knowledgeable Realtor® Rhonda can help you with any home, even if it is listed elsewhere or if it is being sold directly by the owner.
  
  
• As a knowledgeable Realtor® Rhonda knows the best lenders in the area and can help you understand the importance of being pre-qualified for a mortgage. Rhonda can also discuss down payments, closing costs, and monthly payment options that suit you. Rhonda will walk you through the mind-boggling financial details associated with buying a home.
  
  
• As a knowledgeable Realtor®, Rhonda is an excellent source for both general and specific information about the community such as schools, churches, shopping, and transportation - - plus tips on home inspections and pricing.
  
  
• As a knowledgeable Realtor® Rhonda is experienced at presenting your offer to the homeowner and can help you through the process of negotiating the best price. She brings objectivity to the buying transaction, and she can point out the advantages and the disadvantages of a particular property.
  
  
• As a knowledgeable Realtor®, Rhonda will help you define your "wish list" of features you want in your home, your neighborhood and your school district.
  
• As a knowledgeable Realtor®, Rhonda will monitor all new listings and alert you to new houses as soon as they are put on the market.
  
  
• As a knowledgeable Realtor®, Rhonda will lead you through every step of the exciting home buying process.
  
• As a knowledgeable Realtor®, Rhonda will eliminate the stress involved with buying a home by putting my years of real estate experience to work for you.

**And the best thing about Rhonda as your Realtor® is that all this help won’t cost you a cent. Generally, the seller pays the commission to the Realtor®. **

Top 10 Reasons to Buy a Home

1. Improve Your Quality of Life
2. Mortgage Interest is Tax Deductible
3. Property Taxes is Tax Deductible
4. Appreciation Potential
5. Deferred Gain and Capital Gain Treatment
6. Principal Accumulation
7. Pride in Your Home
8. No Landlord; If You are Renting
9. Leverage (where else can you buy this size of an investment with 3.5%-10% down)
10. The Real Cost of Renting (At $700 per month, with a 6% rental increase per year, you will pay $110,719 over a 10 year period.)

Home Buyer! Did You Know….

1. If you are a first time home buyer, you may be eligible to receive up to $8,000 in tax credits. If you filed your income taxes, it is not too late. You can contact your tax preparer and file an amendment. You must hurry; the tax credit incentive will end December 31, 2009.
2. Property taxes and qualified interest are deductible on an individual’s federal income tax return.
3. A portion of each amortized mortgage payment goes to principal which is an investment.
4. I can usually show you any home whether it is listed with a company, a builder, or even a For Sale By Owner home.
5. Working with me to purchase a For Sale By Owner home can be very advantageous because someone is looking out for your best interest.
6. I can provide you with a list of items you’ll need to complete your loan application so you’ll be prepared.
7. A homeowner can exclude up to $500,000 of capital gain tax if married and filing jointly or up to $250,000 if single or filing separately. The home must have been the taxpayer’s principal residence for the previous two years.
8. Beginning with May 07, 1997, there is no longer a requirement to purchase another home more expensive than the one sold. Homeowners are free to buy up or down with no tax consequences assuming their gain is less than the allowable amounts.

The Home-Buying Process
This guideline will give you an overview of what to expect in the home buying process.

1. Contact “Help Me Rhonda” Williams, a Realtor You Can Trust
2. You and Rhonda Will Analyze Your Needs in a Real Estate Consultation
3. You will Obtain Financial Pre-Qualification and Pre-Approval from a Reputable Mortgage Company. You will receive a Good Faith Estimate to show estimated closing costs.
4. Rhonda will provide to you a customized print out and automated e-mail of real estate listings. You will select the properties that interest you.
5. You will view the properties with Rhonda
6. Rhonda will write an offer to purchase on your behalf.
1. Submit Earnest Money Deposit with Offer
7. Rhonda will negotiate and counteroffer your agreement, if necessary
8. Order Inspections on Property
1. Home Inspection
2. Termite Inspection
3. Radon/Mold Inspection
9. Complete the Mortgage Application
1. Credit Report
2. Appraisal
3. Survey
4. Income Verification
5. Asset Verification
6. Employment Verification
7. Title Commitment
10. Complete Mortgage Package is sent to Mortgage Underwriting
1. Clear Loan Conditions for Loan Approval or
2. Loan is Rejected by Lender
11. Obtain Loan Approval and Clear to Close
12. Final Walkthrough Inspection
13. Schedule Transfer of Utilities
14. Review Settlement Statement (HUD-1) before closing
15. Prepare certified funds for closing
16. Close on the Property
17. Take Possession of Your New Home

Rhonda Offers Buyers Free Valuable Reports
Please feel free to take advantage of my topical reports, tips, and videos that will educated and empower you regarding the purchase of your home. 
You can find out: 
5 Things to Avoid When Buying a Home
How to Buy a Bank Owned Property
6 Creative Ways to Afford a Home
Tips for Lowering Homeowners Insurance Costs
How to Breeze Through a Loan Application
And Much More!