Buyers Guide

We would like to guide you through the step by step process of becoming a homeowner. From financing to finalizing the deal and everything in between, we are confident our expertise will provide you with the information and assistance you deserve.

Step 1: Understand what the best way is for you to finance a home.

With an array of financing options to select from, you must understand which option best suites you.

• Federal Housing Administration Loans

  FHA loans typically have lower down payment requirements than other types of loans.
  Apply for either an adjustable rate or a fixed rate loan. Adjustable rate loan payments change from month to month coinciding with the federal interest rate changes. Fixed rate loan payments remain the same from month to month for the entire life of the loan (this is the option we recommend).

• Veterans Affairs Loans

  Guaranteed by the United States Department of Veterans Affairs, VA loans allow long-term financing to eligible American veterans or their surviving spouses.
  Here at the Turning Point Realty Group we take pride in the red, white, and blue, and would like to thank you and/or your loved ones for serving our beloved country.

• Convention Mortgage

  Conventional loans are provided by banks or credit institutions. If you have good to excellent credit, these loans could cost less for you than FHA or VA loans.
  Once you have decided want loan best fits you, apply for the loan to get pre-approved. After pre-approval you will know what you can afford.

Step 2: Prioritize your needs and your wants to be sure this home fits your lifestyle

Are there enough bedrooms? Will this floor plan fit your needs and wants? Do you like this style of home? Will the home need renovations? Is the location ideal for my lifestyle? There are endless questions you could ask yourself when it comes to selecting a home. We love connecting with our clients and enjoy helping them understand their needs and budget for their wants.

Step 3: Let's Go Shopping!

Now that we know what home type we are shopping for lets hit the market. With over two decades of combined real estate experience in Lane County we can best assist you with finding the perfect property for your lifestyle.

Step 4: Making an Offer

Here at Turning Point Realty Group we pride ourselves on getting the most fair price possible for our clients, this is why we have been in business for so long, by keeping such an outstanding reputation for our organization.

Step 5: Finalizing the Deal

Once our offer is accepted, the seller's agent will send us the contract. We will then; review the contract, finalize the paperwork, submit your mortgage applications to your lender, sign the papers and close the deal.

Any questions? Just ask. We would love to assist you in anyway possible, give us a call or send us an email anytime.