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Why Buyers Choose Tina Dreckshage
Welcome > For Buyers > Why Buyers Choose Tina Dreckshage ...

Buying a Home Requires Many Difficult Decisions. 

Your home is probably the biggest purchase your family will ever make, and it involves many decisions that go beyond simply choosing one you like. 

As a St. Louis, St. Charles and O'Fallon area real estate agent, here is how I will guide you through the entire process, from viewing homes and financing, to making sure the final contract is in your best interest: 

- You will have full access to ALL homes available on the St. Louis, St. Charles and O'Fallon market, even listings not yet on the MLS, through my professional Missouri real estate affiliations. 

- My expert local knowledge of the St. Louis, St. Charles and O'Fallon area should be invaluable to you, not just in terms of real estate, but also schools, neighborhoods, the local economy, and more. 

- Every local real estate market absolutely has its own trends and opportunities. This can vary greatly, even one neighborhood to the next. St. Louis, St. Charles and O'Fallon are no different! It's my job to steer you into opportunities and out of traps. 

- What is the true market value of the home you are interested in? Is it priced too high? Is it a bargain that you should jump on? I help home buyers make decisions like this every day, and I'll make sure that YOU get the best value for your money. 

- Negotiating with sellers can be stressful. I will help you negotiate, so that the final contract includes your best possible terms and conditions. 

- You should know absolutely everything about the property you are buying! You and I will view every home that you are interested in, together. And prior to closing I will make you fully aware of any and all inspections available to you. 

- Have confidence when signing documents. Contracts are full of complicated terms and clauses that can greatly affect your future life in your new home. I will give you the full benefit of my real estate knowledge and experience. 

Let me represent your best interests in your search for a new home in the St. Louis, St. Charles and O'Fallon area. While you can see a million homes on the web, actually buying your home is another matter entirely. Buyers beware! 

Ask me any question about buying a home in the St. Louis, St. Charles and O'Fallon area. It's my job to help you! There's no obligation, and I promise to respond quickly... 

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Real Estate Tips
First Time Buyers >Good Faith Estimates

Several years ago the U.S. Congress tried to protect consumers from a few unscrupulous lenders by requiring all lenders to calculate and disclose the annual percentage rate (APR) you pay on your mortgage loan. But most homebuyers will learn more by directing their attention to the Good Faith Estimate of Settlement Costs (GFE). Although Congress meant well, in practice the APR is not helpful and may be confusing.

If you are looking for a good way to understand your costs of borrowing and/or to compare one lender's costs to another, the GFE is your best bet. Get your lender(s) to provide a written GFE before you commit your mortgage business. When reviewing a GFE, keep in mind that the lender actually controls only a certain portion of the disclosed costs. Other parties typically control costs of appraisal, settlement, title insurance, recording fees and taxes, survey, and the "prepaid" expenses of homeowner's insurance, mortgage insurance, real estate taxes, etc. Review these origination fees, discount points, etc. and you will have the ability to understand the full costs of your proposed mortgage loan.

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Tina Dreckshage, REALTORŪ, real estate agent and broker for St. Louis, St. Charles and O'Fallon, Missouri home listings, property and land for sale

Tina Dreckshage
Real Living Now

3072 Hwy. K and N Plaza
St Charles, MO 63304
314-565-3898
Fax: 636-379-2370
TinaDreckshage@NUMBER1EXPERT.com

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