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Dear Future Homeowner,
I'm Mark Ciochon, and my mission is to find you the right house. Not just any house that will do, but the one house that is perfect for you.
How do I do that? First by knowing the market inside and out. I've been a full-time Omaha Realtor for 11 years and have sold over 600 homes, I also worked in new home construction in Omaha for 10 years before that so I have a lot of knowledge of the Omaha market to help you in you home search. Your time is valuable and I only want to show homes that will meet your needs.
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If you are new to the Omaha Ne area you may have some pre-concieved thoughts about how to search for for Omaha Real Estate . As a Omaha Real Estate expert in Omaha for ten years I have found the best way to Search for Omaha Real Estate is to break it down into School Searches. The quickest way for me to search for a client is to determine what area of town and matching that area with the School District. So if you told me you wanted a certain city I would search by school district first. Here are the common school districts in and around Omaha NE. |
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5 Simple Things You Need To Know To Make The Omaha Real Estate Home Buying Process Easier when buying homes in Omaha
In reality, there are only 5 things you need to know and do to make your home buying experience as simple as possible.
1.Get pre-approved for your loan.
If possible, get "pre-approved" for a loan in the amount you're willing to borrow. With this pre-approval, you are in
a stronger position to buy Omaha Real Estate when you're ready - rather than finding your dream home, only to lose it to another
buyer, because you were waiting on the approval.
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Purchasing your Omaha home "long distance" isn't too much different from purchasing if you were here. Most of the documents can be faxed, as an electronically duplicated signature is now accepted on legal documents. Once you've made the decision to purchase, you and I will discuss the price and other details on the phone. Then I'll fill out the purchase agreement and fax, e-mail, or Fed Ex it to you - whatever is most convenient for you. Be sure to read the entire document to make sure there have been no mis-communications and the terms and conditions are exactly as you want them. Then sign, date, and return the document, being sure to initial each page and any items in the body of the form that ask for initials. Once I receive the signed purchase agreement, I'll forward it on to the seller's agent. Assuming the seller accepts your offer and signs his or her (or their) acceptance, I will send it back to you to get your final signatures on the bottom of the 6th page. This is a "Purchaser's Receipt" acknowledging that you know your offer has been accepted and you are on your way to owning a home in Omaha! |
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If you are planning on buying homes in omaha there are some simple pitfalls that you should avoid. Here are the five top Mistakes buyers make.
Mistake #1
Not knowing how much mortgage they can afford before they make an offer. The easiest way to avoid this mistake is to get pre-approved for a mortgage by a lender so you know in advance exactly how much you can afford. Most pre-approvals are free and it will give you a basis to make a more informed purchasing decision when you find the house you like.
Mistake #2
Not realizing in advance who the real estate agent represents. Most
people think that the agent they are working with is working for them.
But unless they are working as your buyer representative, they
represent the seller. There are different types of agency relationships
you can have with a Realtor, make sure that you are clear on your
options.
Mistake #3
Not realizing that the wrong mortgage can cost thousands of dollars
in needless interest and taxes. Check with your accountant before you
make your final decision on which mortgage you are going to choose.
Your CPA will be able to tell you what the long term effects will be on
your income, your taxes and the equity you build in your home over time.
Most people aren't aware that with a standard 30 year mortgage they
will be paying two and a half times the amount of the mortgage in
payments. With some planning in advance and a simple strategy they can
cut the amount of interest they pay dramatically and own their homes
sooner.
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Home Inspector Reveals 6 Signs That Could Mean Expensive Trouble
Most people think a house that has expensive defects will be very obvious to detect, but often the most expensive defects are hidden and take a little more investigating.Here are six signs to look for when inspecting a house...
1. Roof
Roof problems usually take the form of leaks. These can be difficult to spot from the outside. In fact, the surface of a roof may look perfectly sealed. However, if you view the roof from the attic, you may quickly spot water marks where it is leaking.
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Here's How To Buy Houses in Omaha With Zero Down
Most people think do to the recent mortgage changes that you need thousands of dollars for a down payment to buy houses in Omaha, but what they don't realize is that there are still numerous loan programs still available to Buy Omaha Property and, many times, lenders are only interested in showing you the loan programs that are the easiest to process, or pay them the most money.
Consequently, they only work with 3 or 4 loan programs. Loan programs that require 5%, 10% or even 20% down payments!
The one thing you need to know is that you CAN buy Omaha Real Estate with ZERO DOWN PAYMENT.
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Here's A Way You Can Save Thousands Of Dollars In Interest and Pay Your Mortgage Off Years Sooner!
Most people think when you get a mortgage you're stuck with it for 30 years, but what they don't realize is by using a couple of easy and painless ways to make some extra principle payments you can cut years off the life of your mortgage and save thousands of dollars in needless interest costs.Here are a couple of easy strategies you can use:
1. Round up to the nearest hundred
This is an easy strategy to take advantage of, and the results are dramatic!
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Here's How Your Credit Score Will Affect How Much Omaha House you'll Be Able To Buy There is a new "buzzword" in the mortgage industry. Actually, it's two buzzwords: Credit Scoring. In their never ending search to find an easier way to rate a person's financial ability, mortgage companies are using a new system called credit scoring (Also called "FICO" scores - I won't even tell you what that means). When lenders pull up your credit report, they can look at all of the debts that you have, how much you owe, how well you make your payments, and many other things like if you've had any bankruptcies within the last several years. |
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Dear Home Buyer,
Buying a home can be grueling process without an experienced Realtor®. My job is to take the burden off of you so that it can be the exciting moment in your life that it's supposed to be.
It should be fun to shop for a new home. I'm here to do the hard work for you so you can focus on getting the home of your dreams.
I'll save you time
Don't spin your wheels wasting your valuable time on a fruitless real estate search. When you tell me what you want, I'll scour the market for properties that fit your criteria. No more endless hours driving around areas you don't know, finding homes you aren't interested in.
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Looking to buy Homes for sale In Omaha NE? Believe it or not, not all sellers are motivated to sell their Omaha property. There are a number of reasons for a seller's reluctance to part with their home. Some sellers have unrealistic price expectation, and no pressing desire to close a deal. In these cases, it is often best to avoid these kinds of sellers, because just as a seller needs to trust that you will carry out your agreement to close in good faith, you have to have the same confidence in the seller.
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Did you know that there's a significant difference between pre-approval and pre-qualification when it comes time to go home shopping? Sometimes understanding this distinction can make the difference between getting the home you want at the price you want it for. One gives the seller a great deal more confidence in your ability to close escrow, which is the purpose of both types of documents.
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Many buyers don't realize how important it is not to make major credit purchases right before buying a home. Any monthly payments you are making for those credit obligations will decrease the size of loan you qualify for by a ratio of about 100:1. That's a big chunk of home buying power you're throwing out the window!
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