Catoosa Co., Catoosa County, Catoosa Co. commercial property, Catoosa County commercial property, Catoosa Co. condos, Catoosa County condos, Catoosa Co. homes, Catoosa County homes, Catoosa Co. investment property, Catoosa County investment property, Catoosa Co. land, Catoosa County land, Catoosa Co. office space, Catoosa County office space, Catoosa Co. real estate, Catoosa County real estate, Catoosa Co. realtor, Catoosa County realtor, Chattanooga commercial property, Chattanooga condos, Chattanooga homes, Chattanooga investment property, Chattanooga land, Chattanooga office space, Chattanooga real estate, Chattanooga realtor, Chattanooga area, Chattanooga area commercial property, Chattanooga area condos, Chattanooga area homes, Chattanooga area investment property, Chattanooga area land, Chattanooga area office space, Chattanooga area real estate, Chattanooga area realtor, East Ridge commercial property, East Ridge condos, East Ridge homes, East Ridge investment property, East Ridge land, East Ridge office space, East Ridge real estate, East Ridge realtor, East Ridge area, East Ridge area commercial property, East Ridge area condos, East Ridge area homes, East Ridge area investment property, East Ridge area land, East Ridge area office space, East Ridge area real estate, East Ridge area realtor, Hamilton Co., Hamilton County, Hamilton Co. commercial property, Hamilton County commercial property, Hamilton Co. condos, Hamilton County condos, Hamilton Co. homes, Hamilton County homes, Hamilton Co. land, Hamilton County land, Hamilton Co. office space, Hamilton County office space, Hamilton Co. real estate, Hamilton County real estate, Hamilton Co. realtor, Hamilton County realtor, Fort Oglethorpe, Ft. Oglethorpe, Fort Oglethorpe commercial property, Ft. Oglethorpe commercial property, Fort Oglethorpe condos, Ft. Oglethorpe condos, Fort Oglethorpe homes, Ft. Oglethorpe homes, Fort Oglethorpe investment property, Ft. Oglethorpe investment property, Fort Oglethorpe land, Ft. Oglethorpe land, Fort Oglethorpe office space, Ft. Oglethorpe office space, Ft. Oglethorpe real estate, Fort Oglethorpe realtor, Ft. Oglethorpe realtor, Fort Oglethorpe area, Ft. Oglethorpe area, Fort Oglethorpe area commercial property, Ft. Oglethorpe area commercial property, Fort Oglethorpe area condos, Ft. Oglethorpe area condos, Fort Oglethorpe area homes, Ft. Oglethorpe area homes, Fort Oglethorpe area investment property, Ft. Oglethorpe area investment property, Fort Oglethorpe area land, Ft. Oglethorpe area land, Fort Oglethorpe area office space, Ft. Oglethorpe area office space, Ft. Oglethorpe area real estate, Fort Oglethorpe area realtor, Ft. Oglethorpe area realtor, GA, Georgia, GA commercial property, Georgia commercial property, GA condos, Georgia condos, GA homes, Georgia homes, GA investment property, Georgia investment property, GA land, Georgia land, GA office space, Georgia office space, GA real estate, Georgia real estate, GA realtor, Georgia realtor, Hixson commercial property, Hixson condos, Hixson homes, Hixson investment property, Hixson land, Hixson office space, Hixson real estate, Hixson realtor, Hixson area commercial property, Hixson area condos, Hixson area homes, Hixson area investment property, Hixson area land, Hixson area office space, Hixson area real estate, Hixson area realtor, Ringgold commercial property, Ringgold condos, Ringgold homes, Ringgold investment property, Ringgold land, Ringgold office space, Ringgold real estate, Ringgold realtor, Ringgold area commercial property, Ringgold area condos, Ringgold area homes, Ringgold area investment property, Ringgold area land, Ringgold area office space, Ringgold area real estate, Ringgold area realtor, Rossville commercial property, Rossville condos, Rossville homes, Rossville investment property, Rossville land, Rossville office space, Rossville real estate, Rossville realtor, Rossville area commercial property, Rossville area condos, Rossville area homes, Rossville area investment property, Rossville area land, Rossville area office space, Rossville area real estate, Rossville area realtor, TN, Tennessee, TN commercial property, Tennessee commercial property, TN condos, Tennessee condos, TN homes, Tennessee homes, TN investment property, Tennessee investment property, TN land, Tennessee land, TN office space, Tennessee office space, TN real estate, Tennessee real estate, TN realtor, Tennessee realtor, Walker Co., Walker County, Walker Co. commercial property, Walker County commercial property, Walker Co. condos, Walker County condos, Walker Co. homes, Walker County homes, Walker Co. land, Walker County land, Walker Co. office space, Walker County office space, Walker Co. real estate, Walker County real estate, Walker Co. realtor, Walker County realtor, buy home, sell home, buy condo, sell condo, buy land, sell land, buy investment property, sell investment property, relocate, relocation, relocation specialist, home sale, home sale specialist, land sale, land sale specialist, realtor Catoosa county, realtor Catoosa co., realtor Chattanooga, realtor East Ridge, realtor Hamilton country, realtor Hamilton co., realtor Fort Oglethorpe, realtor Georgia, realtor GA, realtor Hixson, realtor Ringgold, realtor Rossville, realtor Tennessee, realtor TN, realtor Walker county, realtor Walker co.
|
|
 |
Haynes & Assoc., Realtors LLC
4103 Bennett Road,
Chattanooga, TN 37412
Office: 423-867-7005
Fax: 423-894-0665
Email: peggyhay1234@bellsouth.net
A Full Service Agency
|
 |
|
|
|
|
|
Start with Confidence
Doing research on how to buy a home is itself an investment - in time. On the one hand are the shelves of books on the subject - helpful, yet sometimes tedious in their detail. On the other hand are specialty Web sites with short, sharp home-buying tips that sacrifice depth and introduce pop-up invitations to apply for mortgages, credit reports, or real estate listings. Even the most hardened researcher can have a tough time telling the forest from the trees. If you are gearing up to buy a house, you may need at least one self-help guide, if only as an anti-jargon dictionary that will help you tell your ARM from your JUMBO.
The professionals are gung-ho to entice you into the real estate world. The government offers big tax incentives; banks compete to loan out massive mortgages while Realtors woo from here to eternity to get new clients.
What most buyers, especially first-timers, do not realize, is that they are doing the government, the banks, the Realtors, the construction industry, and the overall economy a favor. If owning a home seems synonymous with the American Dream, it could be because fencing solid citizens inside a white picket mortgage for 30 years is very good for business. Apart from feeding the earnings of bankers, builders, Realtors, inspectors, lawyers, and insurers, a new homeowner usually forks out lavish amounts on furnishings, appliances, home decorating, gardening, and a whole slew of ancillary products that bolster the local economy.
Take a deep breath
"If there's one thing I could have changed about our home-buying experience, it would be my own attitude," says Paul Hardiman, who with his wife Katrina Connolly purchased a first home last year. "We were so anxious about the process itself, getting the down-payment, finding a mortgage broker and then a Realtor and so on, that we never truly realized these people were working for us, and not the other way around. Had I stopped to think about it at the time, I would have demanded a lot better service."
"It's not so much that we were taken advantage of," said Connolly, "but we probably would have gotten more house and better service for our money had we been more assertive. But we were overwhelmed. After months of looking around we saw there was a squeeze in our price range and that affected our judgment. The brokers, Realtors - everyone we dealt with were all upbeat and kind of hurried, like if we slowed for a second we'd lose something. That damaged us in the negotiations."
Flex your consumer muscle
John Adams, a broker, investor and author on real estate, agrees that "in the world of real estate sales, you are the most important person in the entire process. It's easy to think everyone else carries more weight than you. The seller owns the house and has all the money. The agent talks fast and has an answer for everything. The lender may decline your loan application, and on and on. But the truth is that you, the buyer, are the one person in this transaction who makes it all happen. If you decide to not buy, the entire process comes to a grinding halt."
Adams urges buyers to flex their consumer muscle by doing basic research to ensure they understand everything that is happening around them. "Just because we don't apply for a 30-year mortgage once a week doesn't mean we have to take the first one that comes along," he said. Adams advises buyers learn new terms, apply new concepts, and take the time to understand what they're getting into. And when something happens that doesn't make sense, demand a full and complete explanation from the professionals working on your behalf, he said.
"If you plan from the beginning to approach the home buying process intelligently and with confidence," Adams said, "you are more likely to emerge at the end of the day with a house you'll be proud to call home, and the knowledge that you made the right decision."
** To request more info, please fill out the following form:
|
|
|
|
|
|
|
