Jen Bowman
Jen Bowman, Realtor, Keller Williams 404-456-5024 Buy or Sell your Home with Success!

Buyer Tool Kit



"To leave satisfied you must arrive prepared."

 

Consider this your home buyer’s toolkit. Open it up, take a look around, and if you like, start equipping yourself with the tools necessary to make your best purchase. In most businesses, knowledge equals power, and real estate is certainly no exception.

I hope you enjoy the free reports I’ve provided, and I hope you learn a little more about what it takes to make your important purchase a great one.

The real estate market in Decatur is certainly volatile, and all of the information about buying a home can be overwhelming. I can help.

When you're ready to act, contact me.

I fight on behalf of my buyers.
I negotiate the absolute best price.
I protect you.
I simplify your transaction for you as much as possible.

I look forward to working with you.

Thanks for stopping by,
Jen


Your Team


Your Agent
A successful purchase starts with the right representative. In fact, once you’ve selected me to represent you, it is likely that I can recommend other professionals to join your team, taking more of the responsibility off of your shoulders.

Lender
A bank is not just a bank. Having the right lender can be extremely important – it is your money we’re talking about after all! Make sure that your lender and financial representative is someone with whom you feel comfortable, and be wary of any lender who promises you more than you think you can reasonably afford.

Home Inspector
No home inspection is 100% guaranteed, but a few hundred dollars to catch a major problem now is certainly better than many thousands to correct that ‘surprise’ down the road. Ask me for a recommendation.

 


Your Plan


1.  Find the right representative

Even if you’re not quite ready to buy, your buyer’s agent can be an absolute wealth of information, and can often offer ‘scoops’ on local developments you might not have know about otherwise.  Speak to your agent first and he or she can be helping to guide you right from the start.

2.  Find out what your price range is
Online mortgage calculators are a good place to start, but as you get closer to being ready to buy, there is no substitute for a written mortgage pre-approval.  Just speaking to your lender is an extremely worthwhile venture – this is the only way to really get an in-depth picture of your overall financial picture and to discover exactly what you can reasonably afford to spend on a home (and possibly on renovating).

3.  Find out what your local market looks like
The internet can be incredibly valuable in doing preparatory research.  Start with your agent – he or she can direct you to valuable resources and immediately start e-mailing you real estate listings that may interest you (or at least give you a better idea of what your needs and wants are).

4.  Find out what your true needs and wants are
Compose a needs/wants list that takes into consideration your local market conditions, your price range, and the advice of your real estate agent.

5.  Find your dream home!
Once you’re ready to act, you may be surprised by how quickly you can make a decision.  Armed with your pre-approval, a little market knowledge, and your needs/wants list, call your real estate agent, hit the pavement, and when you see ‘the house’, put in an offer. 

With the right team behind you, it really can be that easy!


Your Calculator


Let us help you find out what you can afford! Our mortgage calculator will help you determine loan amounts, mortgage qualification, or whether you should be renting or buying.

Complete the fields below (e.g., Cost of Home, Down Payment, Monthly Income) and click Calculate Now. To view the different results of your calculation, click on the various tabs. To mail yourself a copy of your results, click the Receive this Detailed Analysis link.

 
Required
Term In Years:     
Interest Rate:      %
Cost of Home:  $
Down Payment:  $
Annual Insurance:  $
0.43%of Cost
Annual Property Tax:  $
1.2%of Cost
Monthly Income:  $
Monthly Debt:  $
Optional
Gross Debt Service Ratio (GDS):     
Total Debt Service Ratio (TDS):     
Condos Fees:  $

Results
  Receive this Detailed Analysis


Mortgage   Qualification   Affordability   Rent vs Buy    

Your Monthly Payments
 
Loan Amount:    
Loan Insurance ( %):
Total Loan(Mortgage) Amount:
 
Principal & Interest:    
Homeowners Insurance:    
Property Taxes:    
Condo Fees:    
Monthly Loan Insurance (%):    
Total Monthly Payment:    
 



Your Real Estate News


Yahoo! News Search Results for real estate
Real estate agent fined $5000 for tampering with sale deal9/1/2010 9:27 PM
A real estate agent who tampered with a sale and purchase agreement to increase her stake in a commission split has been reprimanded by an industry authority.Valma Olliver of MH Realty Limited in Whangamata, was found to have...
Real Estate Premium to U.S. Bonds Signals Time to Buy9/1/2010 8:43 AM
U.S. commercial real estate yields are near the highest level relative to Treasury bonds on record, a signal to some investors it’s time to buy property.
Real Estate Executive Under Investigation: Report8/31/2010 8:35 AM
Real estate mogul accused of making secret video recordings of houseguests. Real estate - Business - Services - Property Law and Real Estate - Law
Real Estate VP Accused of Campaign Fund Scheme8/31/2010 5:58 PM
Feds charge Massachusetts real estate executive with funneling illegal campaign donations Real estate - Business - Services - Property Law and Real Estate - United States
Real estate agent's conviction upheld in Wisconsin9/1/2010 11:46 AM
A federal appeals court has upheld the convictions of a real estate agent found guilty of seeking an illegal kickback on the sale of a state office building near the Capitol in Madison.
Real Estate Sites Enjoy Benefits of Market Slowdown9/1/2010 8:19 AM
clickz As the real estate market struggles, real estate sites are seeing traffic gains and increased ad spend.
Biz Buzz: Real estate investor files for bankruptcy9/1/2010 10:03 PM
Real estate investor and broker Patrick Aurignac — who has lost about $10 million worth o
Real estate investor gets prison time8/31/2010 4:10 PM
A Cleveland-area real estate investor was sentenced to 10 years in prison for engaging in a pattern of corrupt activicty involving a massive real estate scheme.
REAL ESTATE FINANCE LAWYER 4-6PQE - CITY FIRM - London - Legal -8/31/2010 9:18 AM
REAL ESTATE FINANCE LAWYER 4-6PQE - CITY FIRM THE FIRM Our client is creating an 'identifiably different' brand in the UK legal market.
Real estate tax to be on Missouri ballot9/1/2010 6:52 AM
Jefferson City-- A judge on Tuesday ordered a real estate tax initiative to appear on Missouri's November ballot, concluding the measure's supporters submitted enough valid signatures from voters.


 


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