For Buyers:


Buying a home should be an exciting time in your life. Making the wise decision of choosing a REALTOR® is your first step to ensuring that your transaction will go smoothly and your new home and community will meet your needs. The seller is paying the commission for your representation, so you may as well choose the best! And please don't just go with the agent who has the home listed for sale...the only thing you know about that agent is that they have committed to representing the seller's best interest in the transaction. My services and expertise will guide you to financial assistance, help you find the home that best suits you and your family, and follow you through settlement and beyond. For your convenience, I also provide listings by email. I pride myself on repeat business and hope you'll come to understand why. Please check out my testimonials page for a glimpse at the level of exceptional service you can expect with Karen Hall on your side!

As Your Agent, I Will~

*Assure that you see all the available properties that meet your criteria, in the most time-efficient manner possible by mapping and pre-planning all home visit appointments.
*Answer all of your questions about the local market area, including schools, neighborhoods, the local economy, and more specific information about each property you are considering.
*Guide you through the entire home buying process step by step, from finding homes to consider, and getting the best financing to negotiating a great deal and seeing you to moving day.
*Explain the Sales Contract, coordinate inspections, and ensure that your best interests are protected throughout the transaction.
*Make sure you don't pay too much for your new home and help you avoid costly mistakes.
*Minimize your time and stress by fully utilizing the latest technology to accomplish many tasks and stay on top of all of the little details that can threaten a succesful home purchase.
 
Before You Start Looking For Your New Home~

*Check your credit rating. Straighten out any errors before they affect your financing.
*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-approved (preferably by a direct lender).
*Choose a REALTOR® that you trust and who understands your needs, and wants.
*Identify important features you need your new home to have, including location.
*Plan accordingly to ensure you have enough funds available for Closing Costs.

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.

For a customized Estimated Closing Costs worksheet, just contact me and I'm happy to calculate one for you!  You can find additional resources in my Concierge section to help with planning your move and research areas of Virginia you are considering for your new home.