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Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? REALTORS® Are Your Professional Guides. Make Sure You Choose a Top Expert.

You might be a bit afraid or intimidated by the whole process of buying your first home. As a top Mobile, Point Clear, Gulf Shores, Orange Beach, Fairhope and Baldwin County real estate expert, it's my job to guide you, from beginning to end.

I will take the time to go through each and every step of the buying process. There are no dumb questions!

Together, we will consider:

- How much can you really afford?

- How to qualify for a mortgage.

- How much cash you should put down.

- How to buy a home with little or nothing down.

- What it takes to get approved for financing. What banks and other financial institutions are looking for.

- How much your payments will be.

- The tax advantages of buying.

- Is renting or buying better for you? Email me for my Free "Tips for Renters" list.

- Professional Home Inspections

- Termite Inspections and Bonds

- Home Warranty

- Home Owner's Insurance

- Survey

- Lead Based Paint Testing and Waivers

- What "As-Is" really means for you.

- Earnest Money

- Titles and Deeds

- Utilities

- Title Insurance

- Buyers' and Sellers' Disclosures

- What happens in a Multiple Offer Situation?

- County, City, and Property Taxes. How they are prorated at the time of sale.

Tell me a bit about your situation below. I'll get right back to you. There is absolutely no charge, and I offer this to you with no strings attached.

New to the home buying process? Tell me your concerns. Ask me questions. It's my job to help! There's no obligation, and I promise to get back to you quickly...

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Time to Move >Why Not Remodel

When your home starts feeling too small or outmoded, you may think that the solution is to remodel. Although it is a workable solution for many homeowners, others who do extensive remodeling end up selling their homes within a few years of completing the work. The decisions you make about your renovation could have a significant impact on whether you can recover your investment when you sell your home.

Real estate agents see a lot of homes and listen to a lot of buyers. Together with architects and professional kitchen planners, they can offer valuable advice on how to improve a kitchen or bath, or add a room that will increase your family's enjoyment and attract future buyers.

Before you decide to take the remodeling plunge, you should consider whether expensive improvements will over-improve your home in relation to the neighborhood. If you are inclined to make an investment in your home that far exceeds the selling price of other homes in the area, it may be better to sell your present home and buy one that corresponds to your needs.

	See All Tips In The "Time to Move" Category >
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Q	What famous example of post-colonial architecture is modeled after the palace of the Duke of Leinster in Ireland?
A	The White House in Washington, D.C., begun in 1792 and burned by the British in 1814, was rebuilt in 1818 and restored in 1951.
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Pam Middleton Stein, REALTOR®, real estate agent and broker for Mobile, Point Clear and Baldwin County, Alabama home listings, property and land for sale - NUMBER1EXPERT

Pam Middleton Stein
Roberts Brothers
3601 Springhill Business Park, Suite 101
Mobile, Alabama 36608
Office: 251-344-9220
Cell: 251-401-3155
Email: PamMiddleton@NUMBER1EXPERT.com
Email: PamStein@RobertsBrothers.com
Welcome, I am Pam Middleton Stein of Roberts Brothers.. I am America's NUMBER 1 EXPERT for Mobile and Baldwin Counties, Point Clear, Fairhope, Daphne, Montrose, Spanish Fort, Gulf Shores, Orange Beach, Fort Morgan, Ono Island, Dauphin Island, Saraland, Satsuma, Chickasaw, Citronelle, Creola, McIntosh, Washington County real estate, including new construction,condos, highrises, historic homes, waterfront, investment and commercial real estate. My designations are GRI,CRS,ABR,e_PRO,Associate Broker

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