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Reprinted from REALTOR® Magazine www.realtor.org by permission of the NATIONAL ASSOCIATION OF REALTORS®. Copyright 2003. All rights reserved.

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Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? Realtors Are Your Professional Guides. Make Sure You Choose a Top Expert.

You might be a bit afraid or intimidated by the whole process of buying your first home. As a top Tri-Cities, Richland, Kennewick and Pasco real estate expert, it's my job to guide you, from beginning to end.

I will take the time to go through each and every step of the buying process. There are no dumb questions!

Together, we will consider:

- How much can you really afford?

- How to qualify for a mortgage.

- How much cash you should put down.

- How to buy a home with little or nothing down.

- What it takes to get approved for financing. What banks and other financial institutions are looking for.

- How much your payments will be.

- The tax advantages of buying.

- Is renting or buying better for you?

Tell me a bit about your situation below. I'll get right back to you. There is absolutely no charge, and I offer this to you with no strings attached. Please fill out the form below...

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School Reports in Tri-Cities, Richland, Kennewick and Pasco, Washington

"A model of how the Internet can facilitate the process of deciding where to send your children to school"
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Washington Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.

Schools in Tri-Cities, Richland, Kennewick and Pasco

Pricing >If the Price Is Not Right

A real estate agent has shown you a house that you like a lot. There is only one problem--the price seems too high. In a situation like this, you can still make an offer that you feel is appropriate.

The real estate agent cannot tell you how much to offer, but he or she can give you information about the selling prices of similar homes in the area. The agent will present your offer to the sellers. They have three choices--they can accept, reject, or counter your offer.

If the house is a new listing, or if your offer is very low, they may decide to hold out for something better. Sellers frequently build a little negotiating room into their asking price. Prices that are not negotiable at the beginning of a listing period may become flexible as time goes on. If you want to test the sellers' flexibility, make them an offer.

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Q	What information does nearly every state in America require the seller of a home to reveal to the buyer?
A	Most states require disclosure of any existing problems or conditions that could affect the value of the house.
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Laura Harris-Hodges, REALTOR®, real estate agent and broker for Tri-Cities, Richland, Kennewick and Pasco, Washington home listings, property and land for sale - NUMBER1EXPERT

Laura Harris-Hodges
Coldwell Banker Tomlinson Associated Brokers
8836 Gage Blvd Ste 101-B
Kennewick
WA 99336
509-737-3092
Fax: 509-783-5826
lharris@cbtabs.com
Buying and selling a home is serious business ... after all, for most of us, it is the most important investment we possess. When it comes to selecting a professional, you want a person with the knowledge, characteristics, and resources necessary to best look after your interests. With over 17 years of real estate experience, Laura goes the extra mile for all of her clients. That’s why she constantly researches the market and property values to insure that you achieve your goals. Laura is ranked in the top 1% of all Coldwell Banker agents nationally and is a Seniors Real Estate Specialist (SRES), Certified Residential Specialist (CRS) and Tri-Cities Home Construction Specialist. From selling to purchasing or building your new home, you won't find a harder working professional to handle all of your real estate needs. Laura Harris-Hodges “Making A Difference For You”

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