Buying a home is sometimes a complex undertaking. Hiring me, a real estate professional, will help save you time and money. Together, we will determine your needs and wants and find or sell your home. I promise to make your real estate experience stress-free and agreeable. I possess a wide range of real estate experience and guarantee to find or sell your home in a timely and professional manner. I will make sure that you get the most out of your next real estate transaction by taking advantage of cutting edge technology, products and services.
I invite you to contact me with any of your real estate needs and questions, as I am here to serve you, the client! I look forward to hearing from you soon!
Kevin D. Anderson |
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Buying a home in Grand Rapids?
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Home Buying Guides
Buying a home is very important financial and life decision. Getting prepared and educating yourself regarding the steps of buying a home and the mortgage loan process is very important. By doing so, this will help insure a surprise free real estate transaction!
Grand Rapids Information
Need information about restaurants, attractions, museums, and other points of interest in Grand Rapids? Click below!!!
Mortgage Information
The first step to buying a new home is determining how much home you can buy? Click on the link below to obtain the help that you need.
Call Joan Deering of Raustin Mortgage ANYTIME... (616) 293-9859.
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First-Time Home Buyer Tax Credit: 7 Things to Know
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Here are 7 things that you need to know about the newly-enacted $8,000 first-time Home Buyer Tax Credit. 1. Eight grand, new buyers: This credit is equivalent to 10 percent of the purchase price of the home--although it's capped at $8,000--and applies only to first-time home buyers and principal residences. But unlike an earlier $7,500 home buyer tax credit, this one does not have to be repaid. 2. First time buyers defined: For the purpose of this legislation, a "first-time home buyer" is someone who hasn't owned a principal residence for three years before buying a house. (The date of purchase is considered the day that the title is transferred.) 3. 2009 buyers only: Only those who purchase a home on or after January 1 and before December 1, 2009 are eligible for the credit. Anyone who bought a home last year won't be able to take advantage of it. 4. Income limits: The tax credit is subject to income limitations. Single buyers need a modified adjusted gross income of $75,000 or less to qualify for the full credit, that's $150,000 for married couples. Those earning more than these thresholds may be eligible for reduced credits. 5. Refundable: Because the tax credit is "refundable," qualified buyers can take advantage of it even if they don't have much tax liability. 6. Recapture: Buyers have to own the home for at least three years in order to capitalize on the credit. If they sell the home before then, they will have to return the credit to the government. (Exceptions will be made in certain cases, such as death or divorce.) 7. New Announcement: Home buyers using FHA-approved lenders can apply the tax credit to their down payment in excess of 3.5 percent of appraised value or their closing costs. |
Don't Make These 4 Homebuyer Blunders
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Buying a home needn’t be a high-risk venture. With a little planning, preparation and the use of a knowledgeable real estate agent and lender, you can avoid these common buying blunders. Procrastination How many times have you called on a property only to learn it was already under contract? It happens more often than you might realize, especially for the biggest bargains or areas in high demand. Working with a real estate agent allows you to make your buying preferences clearly defined and then be automatically notified once a property that meets your expectations is listed. Budgeting Find out how much home you can afford by getting pre-qualified and pre-approved by a lender. Not only does it send the message that you are a serious buyer who is willing and able to close on the right property, it can also help your Realtor negotiate other terms, such closing costs, on your behalf to make the deal work. Assumptions Never assume that the taxes and insurance quotes for a property will remain the same after purchasing. Property or homeowners insurance also involves your independent credit score as well as the history of the home and its condition. Likewise, property taxes are often years behind or may have a cap placed upon them if the property was eligible for homestead exemption or other special limitations placed on tax increases. Always obtain at least three independent insurance quotes on a property and obtain a newly revised estimate for property taxes before making a final offer. Skipping Inspections A complete, independent inspection is one of the best investments you might ever make, especially when it comes to purchasing a home. Whether the home is brand new or 100 years old, always invest in an inspection to prevent costly repairs and other hazards. |
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Online Reports
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To enhance your buying and selling experience, it’s our job as real estate professionals to provide you with as much valuable information as possible. It is essential that the buyer or seller be aware of all aspects of the real estate market before making a major decision. Whether it be through newsletters, checklists or news articles, we are here to make this process stress-free and rewarding. Please access our free reports today!
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Whether you are planning to buy your first home or sell your existing home, contact us today!
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There are a lot of homes out there to choose from throughout Western Michigan. It is my job to help you find the right home for you. The best tool for finding the home of your dreams is right at you fingertips. You will find homes of all sizes, shapes, and styles; and most likely the home for you. Give it a try, and I will be happy to show you any home that you find of interest.
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