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Your Realtor should be easy to research on the internet

Chosing a Realtor is almost as important as choosing a home .

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Does your Realtor have special designations?

Realtors who invest in special training are usually up to speed on the current market.

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Don't be fooled by fancy flashy titles

You Realtor is your employee and must know the laws and rules in order to make your transaction to work.

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Selling a house is not a hobby it is a profession.

Step 1: Talk with a loan officer

Loan Officer in your equation

Your first and probably only contact with your lender is your loan officer, the salesperson who takes your application. When you first meet, the questions on your mind are likely geared at the amount and type of information needed..

Step 2: Fill out your application

Be sure anbd dot your I's and cross your T's

Here's where your real work begins. You answer the questions in the borrower information sections (Sections III, IV, V and VI) of the Uniform Residential Loan .

Step 3: Submit your application

Don't roll the dice chosing a Realtor.

When you hand your application to a loan officer, the clock starts ticking. Within three days, the lender must give you a packet of "disclosures" including:

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Step 4: Processors give your application the third degreee

There are good professional Realtors out there

Processing is a strange term; it sounds more like sausage making than banking. The processing team double-checks your file to make sure it's complete and true.

To be or not to be.

Lemons happen

Sometimes lemons happen... even in homes.