If you're considering buying your first home, you're not alone. Low interest rates, affordable home values as well as a $8000 tax credit* have many Americans considering purchasing their first home. It's important to be prepared to act when the right home finds you.
10 Steps to Prepare for Home ownership:
1. Decide how much home you can afford. Generally, you can afford a home equal in value to between two and three times your gross income.
2. Develop a wish list of what you'd like your home to have. Then prioritize the features on your list.
3. Select three or four neighborhoods you'd like to live in. Consider items such as schools, recreational facilities, area expansion plans, and safety.
4. Determine if you have enough saved to cover your downpayment and closing costs. Closing costs, including taxes, attorney's fee, and transfer fees average between 2 percent and 7 percent of the home price.
5. Get your credit in order. Obtain a copy of your credit report.
6. Determine how large a mortgage you can qualify for. Also explore different loans options and decide what's best for you.
7. Organize all the documentation a lender will need to pre-approve you for a loan.
8. Do research to determine if you qualify for any special mortgage or down-payment-assistance programs.
9. Calculate the costs of home ownership, including property taxes, insurance, maintenance, and association fees, if applicable.
10. Find an experienced Tony Clark REALTOR® who can help you through the process.
Ready to Buy a Home? Let Angela Clark's experience be your guide!
Call Angela Clark at 270-929-4022 & discuss your home options. www.AngelaRClark.com
Angela Clark, GRI, ABR, Realtor
270-929-4022 Cell
270-926-0055 Office
Tony Clark Realtors, LLC, 2934 Frederica Street, Owensboro Kentucky
Tony Clark Realtors LLC, 107 Main Street, Hawesville, Kentucky
Because knowledge is power, I wanted to share this information from www.TonyClark.com
Home Buyer's Resources Center.... -Angela Clark, Realtor, Tony Clark Realtors LLC
Ready to Buy a Home? Let Angela Clark's experience be your guide! Call Angela Clark at 270-929-4022 & discuss your home options. www.AngelaRClark.com
Angela Clark, GRI, ABR, Realtor
270-929-4022 Cell
270-926-0055 Office
Tony Clark Realtors, LLC, 2934 Frederica Street, Owensboro Kentucky
Tony Clark Realtors LLC, 107 Main Street, Hawesville, Kentucky
Understanding Your Credit |
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| Your credit report is a record of information about your credit payment history. Private companies called credit bureaus compile credit reports. There are three primary credit bureaus in the United States: Equifax, Experian, and TransUnion. Each of the credit bureaus gathers information about consumers from a combination of public records, such as court documents and property tax rolls, and reports provided by businesses, such as banks, finance companies, and utility companies. | ||
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You can purchase a copy of your credit report directly from each of the credit bureaus.
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Equifax |
Experian 34405 W. 12 Mile Rd. Farmington Hills, MI 48331 1-888-397-3742 http://www.experian.com/ |
Trans Union P.O. Box 390 Springfield, PA 19064-0390 1-800-916-8800 http://www.transunion.com/ |
| At Tony Clark Real Estate, we depend on information in your credit report to help us decide if we can extend to you a rental housing agreement or purchasing property. If you're not sure what's in your credit report, may we suggest you review it before applying for a loan. Many consumer experts suggest that you review your credit report for accuracy at least once a year.
Don't assume that you must have perfect credit to qualify for a loan. There are numerous financial products available, tailored to the needs of the individual. Mortgage programs such as FHA (Federal Housing Administration) and VA (Veteran's Administration) allow for a greater income to debt ratio. Talk to your Tony Clark agent that may be available to you, and to the home you are wanting to purchase. |
Ready to Buy a Home? Let Angela Clark's experience be your guide! Call Angela Clark at 270-929-4022 & discuss your home options. www.AngelaRClark.com
Angela Clark, GRI, ABR, Realtor
270-929-4022 Cell
270-926-0055 Office
Tony Clark Realtors, LLC, 2934 Frederica Street, Owensboro Kentucky
Tony Clark Realtors LLC, 107 Main Street, Hawesville, Kentucky
Are you having difficulty making your mortgage payment? One of the most important things you can do is seek assistance, now! The following links and resources may offer answers to your questions. The Realtors at Tony Clark Realtors offer resources and information for your convenience.
| The Department of Housing and Urban Development (HUD) | |
| Housing Counseling Agencies | |
| Tips for Avoiding Foreclosure | |
| How to Avoid Foreclosure (82 KB PDF) | |
| Federal Housing Administration (FHA) | |
| You Can Avoid Foreclosure and Keep Your Home | |
| Federal Reserve System | |
| Federal Reserve Education - Foreclosure Resources | |
| Putting Your Home on the Loan Line Is Risky Business | |
| Federal Trade Commission | |
| Mortgage Payments Sending You Reeling? Here's What to Do | |
| Credit Repair: Self Help May Be Best | |
| Internal Revenue Service | |
| Homeowners Who Lose Homes; Foreclosure Tax Relief Available to Many | |
| Questions and Answers on Home Foreclosure and Debt Cancellation | |
| Federal Reserve System | |
| Consumer Information from the FRS |
Ready to Buy a Home? Let Angela Clark's experience be your guide! Call Angela Clark at 270-929-4022 & discuss your home options. www.AngelaRClark.com
Angela Clark, GRI, ABR, Realtor
270-929-4022 Cell
270-926-0055 Office
Tony Clark Realtors, LLC, 2934 Frederica Street, Owensboro Kentucky
Tony Clark Realtors LLC, 107 Main Street, Hawesville, Kentucky
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ABR, GRI, Realtor®, Certified Relocation Specialist Serving Owensboro Kentucky with Excellence. Ask your neighbor who SOLD their Owensboro home.. Chances are, Tony Clark Realtors did!
Buying, Selling, Building in the Bluegrass of Kentucky?
Let the Experience of Angela Clark be your guide!
Hi, Thanks for visiting. I'm Angela Clark, a full time- full service Realtor who excells in helping buyers and sellers. I proudly serve the Owensboro-Daviess County Kentucky, where I have been a lifelong resident. As a second-generation Realtor at Tony Clark Realtors, LLC, I've grown up with real estate, and have experience the market highs and lows of years gone past. My father Tony began real estate in 1976: he's an incredible mentor and broker, and was recently awarded the Kentucky Realtor of the Year, and honored at the National Association of Realtors.
When you love what you do, work feels like fun. And I'm blessed to truly love my real estate career. The joy in helping others make a wise investment, & thefriendships that have been resulted from working with clients can be overwhelming and humbling. I care about the people I work for, and I believe that positive energy radiates to all!
There's more to real estate than just an inventory of houses: real estate is about the community, about market trends, schools, parks, locations, commute.... it's about you, your life, your family! Real estate is a personal business: I keep your information confidential.
My success as a real estate agent is my simple gift of listening to my clients, and then finding the right home. I know our local real estate inside & out! The foundation of our business philosophy is the Golden Rule.
For home owners and buyers, I offer the knowledge and results to help them buy and sell with confidence.
Angela's Qualifications as Realtor are Numerous....
Quick Links & Resources: Just For You...
The Complete Community Guide to Owensboro Kentucky
The Complete Relocation Guide to Owensboro Kentucky
My team at Tony Clark Realtors serves the Western Kentucky region, including Daviess county, Hancock county, Ohio county, McLean county. Tony Clark Realtors, Western Kentucky's most respected name in real estate offers incredible strength! My brokerage, Tony Clark Realtors, offers complete real estate services: Each speciality is staffed by experienced professionals who love what they do.
"Angela went above and beyond the call of duty for us and she is a VERY hard worker. Our house was on the market for over a year (with another agent) when we signed a contract with Angela, but she made it happen and she got it sold. She has such great experience with marketing homes in the best way to get them sold fast; she really cares about her clients and about getting their home sold quickly and/or finding the right home for them. She was such a HUGE help for us, so I encourage you to allow her to work for you too. " Craig & Tiffany Nalley
"Thanks again for helping us find the perfect house!" Becky & Scott Hargitt
"Angela handled all the details of our relocation. She made our move an enjoyable experience. And she sold our Lake Forrest home in less than 3 weeks!" Roger & Mary Janice Cooper
"Angela is an outstanding Realtor who is personable and thorough. She knows that it means to treat a person with respect and relate to you as a person, not as a dollar sign. She is by far the most intelligent Realtor we have ever worked with. Angela showed us the facts, and gave us our best options. Unlike other agents, Angela offered more than promises. She delivered on her word. With Angela as our agent, our home sold for cash in less than 7 days. We are so thankful for Angela's hard work! " Eric & Jennifer Wedding
"Angela, Thank you for selling our home so quickly, and for full price too! You made our family's relocation! Thank you" Holly & Frank Fenton
"If it were not for Angela, we would have never found our dream home" Shannon & Cary Matthis
"We love our new home! Thanks for being more than just an agent, but our friend" Gina & Mike Roebuck
"Angela is simply the best agent in Owensboro." Drs. Murray & Patricia Adams
" This is our 2nd time as home sellers with Angela. And we were again delighted with her! Angela made the sale happen. We are grateful to Angela for all her diligent work." Kirk & Emily Cremer
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