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    Keys to Client
     Satisfaction:
  • Commitment
  • Dedication
  • Thoroughness
  • Full Service
  • Teamwork
  • Experience
  • Analysis
        = SUCCESS ! !




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    Hi-Tek Solutions.
    Highland, IL
    Copyright 2005.
  • For 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. My services and experience range from financial aid to helping you find the home that best suits you and your family. For your convenience, I also provide listings by email. I pride myself on repeat business and hope you'll come to understand why.

    Hot Topics (click to view):
    1) How I Can Help...
    2) Before you start looking...
    3) Closing Costs...





    1) How I Can Help...
  • Assure that you see all the properties in the area 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.


    2) Before you start looking...
  • Check your credit rating. Straighten out any errors before its too late.
  • Determine a comfortable monthly budget for your new purchase, including down payment 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.


    3) Closing Costs...
  • Lender fees include charges for loan processing, underwriting, preparation and establishing an escrow account.
  • Third-party feesinclude charges for insurance, title search, and other inspections such as termites.
  • Goverment 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.