Recent changes, as of August 17, 2024, in the law now require all buyers looking at homes sign a Buyers Agency agreement. This has been a standard practice at our company since January 2010. If you choose to work with one of our knowledgeable Brokers we ask that you sign a Buyers Exclusive Agency Agreement. We want to make sure you are not already working with another Broker. We agree to diligently attempt to locate property, to negotiate price, terms and conditions acceptable to our Buyer for the purchase of property; and shall act in our Buyer's best interest during the term of the agreement . Our fees can be negotiated with the Seller. Currently, most Home Builders offer compensation. There are some cases where our fee is not totally covered by the seller/builder we sort that out on a case by case basis. We have always believed in being upfront and honest with our customers and clients. Some Brokers have had this policy, but it may have been hard to find anything about it on their websites. NOW ALL BROKERS ARE REQUIRED TO HAVE A SIGNED AGENCY AGREEMENT WITH BUYERS PRIOR TO SHOWING ANY HOME TO A BUYER.
Get Representation!
Let us represent you! If you have ever thought of building a home, we have plenty of experience with that! After working for builders, we have the inside info that will help you negotiate the best price and advise you on the best (must have) options to put into the home and the ones that have a large markup that would be better left for later. We know the builders in the area, what they offer, where they build and more! Call us if you to want to explore the options of building. If you have a home to sell and you buy new home, let us find out if we can work out a deal so you can keep more of your equity!
We can search for homes in the area, the price, and amenities you want and need in your next home!
Inspections and home warranties are important, especially with existing homes! While we always encourage you to use anyone you want we can help you comparison shop with a list of referral partners. We do not take "kickbacks" and don't recommend one company over another.
201 Creekview Circle
Mooresville, IN
2842 SF
4 Bedrooms -2.5 Baths
3 Car Garage
Move in ready
$389,900
945 King Av
Indianapolis, IN
1064 SF
3 Bedrooms -2 Baths
Up and Coming Area
Move in ready
$209,900
6902 Rodebaugh Rd
Indianapolis, IN 46268
1626 SF
4 Bedrooms -2.5 Baths
2 Car Garage
Totally Renovated
$435,000
709 Howe Dr
Carmel, IN
3082 SF
4 Bedrooms -2.5 Baths
2 Car Garage
Move in ready
$510,000
9494 E. Northshore
Unionville, IN
1.28 acres
60' X 30 ' Pole Barn
Ready for a conversion
Barndominimum
$350,000
Try this mortgage calculator to get an idea of how much a particular home will run. Of course the lender will have more precise figures for you.
Enter in the price you want to offer. For the down payment unless you have 20% to put down use $0 because their are usually loan origination fees that could be added into the loan amount. Use the going rate or the one the lender said you qualify for. Remember rates change on a daily basis. Find the property taxes on the listing and multiply that by 2. For insurance usually use 1% of the price of the home. Hopefully it will be lower. Keep the PMI the same unless you are getting a loan without PMI then put $0. Enter the month you think you will close, usually 30-45 days after your offer is accepted. Then enter the year we are currently in. Hit the calculate button.
Remember this is only an estimate.
Use this link to search for homes through the same system we work from as REALTORS® !
This system is more accurate than some of the home search sites.
If you find something you want to see please text the address to one of the agents you are working with at House Smart ™ Realty, LLC
HAVE REPRESENTATION- contact us to see any home!
This is one of our SPECIALTIES!
Find out if you or someone you know qualifies for:
NO MONEY
INTEREST RATES STARTING AS LOW AS 1%
33-38 YEAR MORTGAGE
The USDA Guaranteed is a program that guarantees loans though qualified lenders. The USDA Direct program goes directly though the USDA no lenders are involved. Both programs are based on the size of the household and the total income in the household. To see if you qualify for the programs click the USDA logo below.
House Smart ™ Realty, LLC will help you though the entire process and help you find eligible homes!
Beware of some brokers charge you for their service! We will not charge you a dime to help you through the process!
Can you believe it, there is a program for seniors where you do not have to make mortgage payments ever again!
If you are ready to move into your forever home. you may qualify for a brand new home and never have to make another payment! Contact us and ask us about the HECM program for seniors over age 62. And don't worry if you have a home to sell we can help you with that too and save you money for your down payment on your new home. We work with all the major builders in this area, you may even want to do a custom build we can help with that too! We don't do loans, but we can assist in finding lenders that offer this program.
Need to get rid of stuff? We have the resources to make it happen without all headache!
Is your credit score too low to qualify for a mortgage?
There are many small things you can do to raise your credit score. It's best to talk to a qualified lender to get into all of the details. Adding a secured credit card can sometimes help raise your score. Click below to see how that might help.
Higher credit scores help a lot of things, such as, better interest rates, which helps lower payments, better insurance rates, and a sense of pride in yourself. Because we all know life isn't easy and this is one goal that should make you feel good about yourself.
The highest form of credit you can get is on a mortgage! So, once you purchase a home and make all payments on time, and don't max out credit you should see good things happening
House Smart ™ Realty, LLC
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