Brantley & Associates

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. Our services and experience range from financial aid to helping you find the home that best suits you and your family. For your convenience, we also provide listings by email. We pride ourselves on repeat business and hope you'll come to understand why.

As Your Agent, We Will:

• 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.

Before You Start Looking For Your New Home:

• 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 or rural area best matches your needs.
• Identify important features you need your new home to have.

Closing Costs to Expect:

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

IF YOU WOULD LIKE TO RECEIVE NEW LISTINGS VIA EMAIL - PLEASE CLICK HERE.

Loan Program:

Specialty Mortgages: Risks and Rewards
Loan Types to Consider
6 Creative Ways to Afford a Home
Lender Checklist: What You Need for a Mortgage
Get Your Finances in Order: To-Do List
Budget Basics Worksheet
What You Can Do to Improve Your Credit
5 Factors That Decide Your Credit Score
How Big of a Mortgage Can I Afford?

Prequalify for your Home Loan today!

REALTY WORLD FREE BUYER'S GUIDE

Buying a home. There aren’t many experiences that can be as happy and scary at the same time. But you’ll find that the more you know, the easier it can be.

As REALTY WORLD® Professionals, we can help. You are bound to have a lot of questions. You may have questions about what you should be looking for in a home, a neighborhood, or even a lender. You may need to know what kind of financing is best for you and how to find it. You may even have questions about what you have to do to get ready for the final closing and settlement on the property. Even though there is a lot of information on the Internet, the average buyer needs help sorting through all of the choices.

This guide is a step-by-step tour of the entire process of buying a home. In a nutshell, you’ll learn what to do, how to do it and when to do it.

You’ll learn about special REALTY WORLD® programs that are designed to make buying your home easier. We can answer any questions about these programs or clarify the steps in the home-buying process. We want your experience in buying a home to be an exciting and happy one, and with this guide -- it can be.

To order your FREE Copy of the REALTY WORLD Buyer's Guide, pleaseclick here.

Buying a home is a big decision and a personal one.

So you've decided to buy a home. The Real Estate BUYER'S AGENT Council's (REBAC) Homebuyer's Toolkit is a comprehensive and personalized tool that will help you to find a home best suited to your needs. First-time and seasoned home buyers alike will find value in the Homebuyer's Toolkit and REBAC Referral Report of buyer's representatives.

Click on the anchors below to go directly to the following sections on this page:

Toolkit Contents | Get your FREE copy | Why you should use and ABR | About REBAC

Contents of the Homebuyer's Toolkit

The Homebuyer's Toolkit contains information on each step of the home buying process such as:

• Deciding to Buy a Home
• Locating and Buying a Home
• Making the Best Deal
• Moving In
• Home Buyer's Glossary of Terms
• What a Real Estate Buyer's Representative is... and Why You Should Use One
• Finding a Neighborhood for You
• Making An Offer
• Tax Tips for Buyers
• How to Start Packing Prior to your Move
• Resources

Helpful self-assessment tools and worksheets to assess:

• What You Want and Need in a House
• Your Credit
• The Neighborhood
• Your Home as Compared to Other Homes in the Neighborhood

Useful checklists, such as:

• Mortgage Loan Interview Application Checklist
• Special Situations Applications Checklist
• Moving Checklist
  

Get your Free Copy of the Homebuyer's Toolkit by clicking here and following the directions on the page.

Why you should use an Accredited Buyer's Representative (ABR)

Depending on the laws in your state and the business arrangement you have with a licensed real estate agent, that agent may actually be negotiating for the seller, not you the buyer. The best way to be certain that an agent is working in your best interests is by signing a buyer representation agreement with an agent.

A buyer's representative represents the consumer who is purchasing property, not the seller. Although state law varies, a buyer's representative usually works for and owes fiduciary responsibilities to the real estate buyer. It is the buyer representative that has buyer's best interests in mind throughout the entire real estate transaction.

Why should you look for the ABR designation before looking for a home? These three letters after a REALTOR's name tell you that you will be working with buyer representative who is committed to your best interests. The ABR designation is awarded by REBAC to those REALTORS who have met the specific educational and experiential criteria needed to provide the high level quality service required by REBAC (Real Estate BUYER'S AGENT Council).

If you would like to find a buyer's representative in your area or in the area you are moving to, just go to our Find a Buyer's Rep page and fill in the data fields.

About the Real Estate BUYER'S AGENT Council (REBAC)

The Real Estate BUYER'S AGENT Council, REBAC, was founded in 1988 to promote superior buyer representation skills and services. An affiliate of THE NATIONAL ASSOCIATION OF REALTORS since 1996, REBAC's membership now numbers well over 40,000 and is the worlds largest organization of real estate professionals concentrating on buyer representation. Members who meet all course and professional experiential requirements are awarded the ABR (Accredited Buyers Representative) and/or ABRMsm (Accredited Buyers Representative Manager) designation(s). Both are the only designations of their type recognized by NAR.

The ABR designation is geared towards agents who wish to enhance their buyer representation skills, and provides proof to prospective buyer-clients of their proficiency at servicing the special needs of buyers. The ABRMsm designation, on the other hand, is intended for owners, brokers and managers who have or intend to incorporate buyer representation into their company's service offerings.

Contact the Real Estate BUYERS AGENT Council:
Mail: 430 N. Michigan Ave, Chicago, IL 60611
Phone: 800-648-6224 or 312-329-8656
Fax: 312-329-8632
Email: rebac@realtors.org

Realty World Invites You to Enter Our $15,000 Sweepstakes!

Click here to enter the $15,000 Sweepstakes

We invite you to participate in the Realty World® $15,000* Sweepstakes. Winners can choose cash or equivalent Rewards Points. This Sweepstakes contest is exclusive to the clients of the Realty World® family of brokers and agents; it signifies our organization's commitment and dedication to our buyers and sellers. The winners of the Realty World® Sweepstakes will become part of our company history. Thank you for entering our Sweepstakes, which is offered to you FREE and with NO OBLIGATION.

Realty World, Inc. is pleased to offer this fun, exciting, no obligation $15,000 Cash or 3,000,000 Rewards Points Sweepstakes. Since 1973, with Realty World® programs and services, our agents have earned the trust and loyalty of consumers both nationally and internationally. Visit us at http://www.realtyworld.com/.

CONTEST RULES

No Purchase Necessary

1. To enter, complete your Realty World® $15,000 Sweepstakes web entry form above.
2. To be eligible, entries must be received on or before December 28, 2009, the contest closing date. All entries become the property of Realty World, Inc. who assumes no responsibility for any entries which are lost, misdirected or delayed.
3. There will be six (6) prize winners who will share the $15,000 prize as follows: ONE (1) GRAND PRIZE winner will receive $10,000 spending money (awarded in the form of a check) or 2 million Platinum Reward Points, which can be redeemed at http://www.realtyworldpoints.com/ FIVE (5) FIRST PRIZE winners will each receive $1,000 spending money (awarded in the form of a check) or 200,000 Platinum Reward Points, which can be redeemed at http://www.realtyworldpoints.com/ . Prizes must be accepted as awarded; no substitutions will be made. Prizes may not be transferred or assigned except by Realty World, Inc.
4. Following the close of the contest, random selections will be made on January 5, 2010 at the Realty World, Inc. Corporate Office in Costa Mesa, CA from among all eligible entries received. Decisions of Realty World, Inc. are final. Odds of being selected will depend on the number of eligible entries received. Winners will be notified by telephone during normal business hours on January 5, 2010 and must respond no later than 5:00 P.M. Pacific Time on January 7. Realty World, Inc. will make every reasonable effort to contact winners; however, if unable to reach entrant, an alternate winner will be randomly selected from the remaining eligible entries and will have 48 hours to respond. Realty World, Inc. expressly disclaims any responsibility or liability for injury or loss to any person or property relating to the delivery and/or subsequent use of the prizes awarded. Realty World, Inc. will not replace any lost or stolen prize items.
5. ELIGIBILITY: NO PURCHASE NECESSARY. VOID WHERE PROHIBITED. The $15,000 SWEEPSTAKES is open only to legal residents of the 50 United States (except for residents of New York and New Jersey) and the District of Columbia, who are 18 years of age or older. Officers, directors, employees, or independent contractors of REALTY WORLD, INC. ("Sponsor") and its member brokers, agents, advertising or promotional agencies, approved vendors (collectively the "Released Parties"), as well as any members of their immediate families (spouse, parent, sibling and child) and persons living in the same household are ineligible. Sweepstakes begins at 12:00:00 AM (ET) on January 1, 2008 and ends at 11:59:59 PM (ET) on December 28, 2009.
   By entering, the winners agree to the use of their names, addresses, and photographs, without remuneration, for publicity and promotional purposes by the sponsor. Winners are solely responsible for all applicable taxes, licenses, insurance and any other applicable cost. This is not intended to solicit property already listed for sale. Distributed where permitted by law. Realty World, Inc. reserves the right at its sole discretion to cancel, terminate, modify or suspend the Sweepstakes and select winners from among all eligible entries received prior to the cancellation. There is no obligation on your part. Simply complete the form above and you will be entered in the contest .

Void in the States of New York and New Jersey.

Mortgage Loan Calculator Use this calculator to determine your monthly payment and amortization schedule. http://www.realtyworld.com/Calculators/java/MortgageLoan.html

Mortgage Qualifier Can you buy your dream home? Find out just how much you can afford! http://www.realtyworld.com/Calculators/java/MortgageQualifier.html

Rent vs. Buy Are you better off buying your home, or should you continue to rent? http://www.realtyworld.com/Calculators/java/MortgageRentvsBuy.html

15 Year vs. 30 Year Mortgage Use this calculator to compare these two mortgage terms, and let us help you decide which is term better for you. http://www.realtyworld.com/Calculators/java/MortgageCompare.html

Amortizing Loan Calculator Enter your desired payment - and let us calculate your loan amount. Or, enter in the loan amount and we will calculate your monthly payment! http://www.realtyworld.com/Calculators/java/SimpleLoan.html