Buyers

Buying a home is an exciting time in one’s life. Making the smart move of choosing a REALTOR® is your first step to ensuring that your new home and community meets your needs. Our services and experience range from financial aid to helping you find your perfect home from the inland communities; ranch and golf course properties to coastal and beach front locations that best suits you and your family. We pride ourselves on generations of clients who have become like family to us at Kramer & Martin

• Assure that you see all that meet your criteria
• Guide you through the entire home buying process, from finding homes to look at, to getting the best financing.
• Make sure you don’t pay too much for your new home and help you avoid costly mistakes,
• Answer all of your questions about the local market area, including schools, neighborhoods, the local economy, and more.

Before You Start Looking for Your New Home: 

• Check your credit rating. Straighten out any errors before it’s too late.
• Determine a comfortable monthly budge for your new purchase, including downpayment and monthly payment.
• Find a loan program that meets your needs and get pre-qualified (preferably pre-approved).
• Choose a Realtor that you trust and who understands your needs.
• Determine what neighborhood best matches your needs.
• Identify important features you need your new home to have.

• Lender Fees include charges for loan processing, underwriting, preparation and establishing an escrow account.
• Third-party fees include changes for insurance, title search, and other inspections such as termites.
• Government fees include deed recording and state & local mortgage taxes.
• Escrow and interest fees include homeowner’s insurance, loan interest, real estate taxes, and occasionally private mortgage insurance.