So You Want to Buy a Home ūüŹ°

Here are a few steps to follow:

1. Decide to buy.
Although there are many good reasons for you to buy a home, wealth building ranks among the top of the list. We call home ownership the best ‚Äúaccidental investment‚ÄĚ most people ever make. But, we believe when it is done right, home ownership becomes an ‚Äúintentional investment‚ÄĚ that lays the foundation for a life of financial security and personal choice. There are solid financial reasons to support your decision to buy a home, and, among these, equity buildup, value appreciation, and tax benefits stand out.

Base your decision to buy on facts, not fears.
If you are paying rent, you very likely can afford to buy
There is never a wrong time to buy the right home. All you need to do in the short run is find a good buy and make sure you have the financial ability to hold it for the long run.

The lack of a substantial down payment doesn’t prevent you from making your first home purchase
A less-than-perfect credit score won’t necessarily stop you from buying a home
The best way to get closer to buying your ultimate dream home is to buy your first home now

Buying a home doesn’t have to be complicated – there are many professionals who will help you along the way

Buyer Road Map Aimee

2. Hire your agent.
The typical real estate transaction involves at least two dozen separate individuals-insurance assessors, mortgage brokers and¬†underwriters, inspectors, appraisers, escrow officers, buyer’s agents, seller’s agents, bankers, title researchers, and a number of other individuals whose actions and decisions have to be orchestrated in order to perform in harmony and get a home sale closed. It is the responsibility of your real estate agent to expertly coordinate all the professionals involved in your home purchase and to act as the advocate for you and your interests throughout.

Seven main roles of your real estate agent

A Buyer’s Real Estate Agent:
Educates you about your market.
Analyzes your wants and needs.
Guides you to homes that fit your criteria.
Coordinates the work of other needed professionals.
Negotiates on your behalf.
Checks and double-checks paperwork and deadlines.
Solves any problems that may arise.

8 important questions to ask your agent

Qualifications are important. However, finding a solid, professional agent means getting beyond the resume, and into what makes an agent effective. Use the following questions as your starting point in hiring your licensed, professional real estate agent:
Why did you become a real estate agent?
Why should I work with you?
What do you do better than other real estate agents?
What process will you use to help me find the right home for my particular wants and needs?
What are the most common things that go wrong in a transaction and how would you handle them?
What are some mistakes that you think people make when buying their first home?
What other professionals do you suggest we work with and what are their credentials?
Can you provide me with references or testimonials from past clients?

3. Secure financing.
While you may find the thought of home ownership thrilling, the thought of taking on a mortgage may be downright chilling. Many first-time buyers start out confused about the process or nervous about making such a large financial commitment.

From start to finish, you will follow a six-step, easy-to-understand process to securing the financing for your first home.

Six steps to Financing a Home
Choose a loan officer (or mortgage specialist).
Make a loan application and get preapproved.
Determine what you want to pay and select a loan option.
Submit to the lender an accepted purchase offer contract.
Get an appraisal and title commitment.
Obtain funding at closing.

4. Find your home.
You may think that shopping for homes starts with jumping in the car and driving all over town. And it’s true that hopping in the car to go look is probably the most exciting part of the home-buying process. However, driving around is fun for only so long-if weeks go by without finding what you’re looking for, the fun can fade pretty fast. That’s why we say that looking for your home begins with carefully assessing your values, wants, and needs, both for the short and long terms.

Questions to ask yourself
What do I want my home to be close to?
How much space do I need and why?
Which is more critical: location or size?
Would I be interested in a fixer-upper?
How important is home value appreciation?
Is neighborhood stability and priority?
Would I be interested in a condo?
Would I be interested in new home construction?
What features and amenities do I want? Which do I really need?

5. Make an offer.
When searching for your dream home, you were just that-a dreamer. Now that you’re writing an offer, you need to be a businessperson. You need to approach this process with a cool head and a realistic perspective of your market. The three basic components of an offer are price, terms, and contingencies (or ‚Äúconditions‚ÄĚ in Canada).

Price-the right price to offer must fairly reflect the true market value of the home you want to buy. Your agent’s market research will guide this decision.

Terms-the other financial and timing factors that will be included in the offer.

Terms fall under six basic categories in a real estate offer:
Schedule-a schedule of events that has to happen before closing.
Conveyances-the items that stay with the house when the sellers leave.
Commission-the real estate commission or fee, for both the agent who works with the seller and the agents who works with the buyer.
Closing costs-it’s standard for buyers to pay their closing costs, but if you want to roll the costs into the loan, you need to write that into the contract.
Home warranty-this covers repairs or replacement of appliances and major systems. You may ask the seller to pay for this.
Earnest money-this protects the sellers from the possibility of your unexpectedly pulling of the deal and makes a statement about the seriousness of your offer.

6. Perform due diligence.
Unlike most major purchases, once you buy a home, you can’t return it if something breaks or doesn’t quite work like it’s supposed to. That’s why home owner’s insurance and property inspections are so important.

A home owner’s insurance policy protects you in two ways:
Against loss or damage to the property itself
liability in case someone sustains an injury while on your property

The property inspection should expose the secret issues a home might hide so you know exactly what you’re getting into before you sign your closing papers.
Your major concern is structural damage.
Don’t sweat the small stuff. Things that are easily fixed can be overlooked.
If you have a big problem show up in your inspection report, you should bring in a specialist. If the worst-case scenario turns out to be true, you might want to walk away from the purchase.

7. Close.
The final stage of the home buying process is the lender’s confirmation of the home’s value and legal statue, and your continued credit-worthiness. This entails a survey, appraisal, title search, and a final check of your credit and finance. Your agent will keep you posted on how each if progressing, but your work is pretty much done.

You just have a few preclosing responsibilities:
Stay in control of your finances.
Return all phone calls and paperwork promptly.
Communicate with your agent at least once a week.
Several days before closing, confirm with your agent that all your documentation is in place and in order.
Obtain certified funds for closing.
Conduct a final walk-through.

On closing day, with the guidance of a settlement agent and your agent, you’ll sign documents that do the following:
Finalize your mortgage.
Pay the seller.
Pay your closing costs.
Transfer the title from the seller to you.
Make arrangements to legally record the transaction as a public record.
As long as you have clear expectations and follow directions, closing should be a momentous conclusion to your home-searching process and commencement of your home-owning experience.

8. Protect your investment.
Throughout the course of your home-buying experience, you’ve probably spent a lot of time with your real estate agent and you’ve gotten to know each other fairly well. There’s no reason to throw all that trust and rapport out the window just because the deal has closed. In fact, your agent wants you to keep in touch.

Even after you close on your house, you agent can still help you:
Handle your first tax return as a home owner.
Find contractors to help with home maintenance or remodeling.
Help your friends find homes.
Keep track of your home’s current market value.
Attention to you home’s maintenance needs is essential to protecting the long-term value of your investment.

Home maintenance falls into two categories:
Keeping it clean: Perform routine maintenance on your home’s systems, depending on their age and style.
Keeping an eye on it: Watch for signs of leaks, damage, and wear. Fixing small problems early can save you big money later.

Let us help you to buy your new home.  Click here to start your online search NOW !

You local Ascension Parish Real Estate Agents

Maria Cardwell Thorn   225-933-9542     maria.thorn@exprealty.com

Aimee Cardwell Norton    225-229-0406     aimee.norton@exprealty.com

eXp Realty                       16159 State Bank Dr., Ste. B  Prairieville, LA 70769                             Licensed in State of Louisiana                   225-412-9982 ext 172

www.MariaThornTeam.com 

Kids Eat FREE in Ascension Parish

Ascension Parish is certainly a family-oriented area of Louisiana.¬† There are many things to do for those of us with school aged children, from organized team activities to movie theaters to sno-ball stands.¬† However, since everyone has to eat, where can we go that will not break the bank?¬† For those families with younger children, this can be quite a challenge, either with regards to cost, keeping those kids occupied or entertained, or all of the above.¬† Well, The Maria Thorn Team at eXp Realty did a little research to help those with little ones that are looking for a dining experience that satisfies those needs.¬† Below are five restaurants in Ascension Parish that host ‚ÄúKids Nights‚ÄĚ.

Rotolo’s Pizzeria offers a kid’s day on Mondays, and that includes lunch and dinner.  Children 12 and under are invited to make his or her own pizza at the family table, have the cooks in the kitchen cook the pizza and return to the family table for consumption!  The cost is a mere $1.99 per pizza per child.  Let your youngster be as creative as ever with the toppings of choice!

Another Italian food option is Louis¬†DeAngelos.¬†¬†During dinner hours of 5:30 ‚Äď 8:00 on Tuesdays, a balloonist is available to entertain the children.¬† Kids are allowed to also make their own pizza, the price is the regular menu price.

If Italian is not your thing, The Maria Thorn Team has some south-of-the-border options for you.  Las Palmasoffers an all-day kids eat free on Tuesdays.  A clown/balloonist/face painter is on site at 6:00 pm.  Kids also eat free with the purchase of an adult entree, i.e. one adult entree = one free kids meal.

What happens if Las Palmas is packed, you still want Mexican AND a kid’s special? Try Izzo’s!  On Mondays from 4:00 pm to close, buy 1 adult meal and get up to 3, yes THREE kids meals for $1 each!  Now that’s a bargain!

Finally, if none of those interest you, you can always try Sno’s Seafood and Steak.  On Tuesdays from 6:00 to 9:00 pm, Sno’s has a magician/balloonist and offers one free kids meal with the purchase of one adult entrée.

 MTT Logo Blank Background

We hope this has been helpful and informative!  As always, The Maria Thorn Team at eXp Realty is here for all of your real estate needs!

Maria C Thorn, Realtor       16159 State Bank Dr., Ste B              Prairieville, LA 70769       225-933-9542                        225-412-9982 ext 172               www.mariathornteam.com maria.thorn@exprealty.com                                               Licensed in State of Louisiana

 

12380 Legacy Hills Dr., Geismar, LA 70734 has JUST SOLD !

You Missed This One !

Visit www.mariathorn.com to look for another !

SOLD

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Maria Thorn

Keller Williams Realty First Choice

225-933-9542

Licensed In:
LA

License #:
73745

Extras For You!>>>
Property VIDEO

12380 Legacy Hills

Geismar, Louisiana 70734

Bedrooms: 5

Bathrooms : 4 ( 4 full )

List Price: $425,000

Living Area Approx :
3259

  

Your DREAM HOME – FIVE bedrooms, FOUR full baths in Legacy Hills. Fantastic ¬†floorplan, great living/dining/kitchen/keeping area. Den and dining area feature beautifully stained pine floors, cypress beams, custom built-ins, 12ft. ceilings, gas burning (or wood burning) fireplace and fresh paint. In the spacious gourmet kitchen you’ll find slab granite counters, custom cabinets, gas stove, built in wine rack, Travertine tile back splash, under mount sink, an island to die for and a pot-filler at the stove for your convenience. ¬†The master suite is HUGE and the master bath/closet – simply luxurius ! The 5 bedroom is the only room upstairs over the garage. ¬†This room, with it’s own full bath and a closet could also function as an incredible game room, media room, “man-cave”, even a mother-in-law suite. ¬†This room has it’s own AC unit as well. ¬†Call me today for your private tour – 225-933-942

VISIT OUR FACEBOOK PAGE at www.facebook.com/livinginascension

To Search for property – www.mariathorn.com

 

 

37325 Market Place Dr.
Prairieville, LA 70769
225-744-0044 – Office
225-933-9542 – Cell
Licensed in State of Louisiana
Each Office Independently Owned and Operated
L2L

5 bedroom home for sale in Ascension 12380 Legacy HIlls Dr., Geismar, LA 70734

WHAT A BEAUTY and a RARE find!  Make this house at 12380 Legacy Hills Dr., Geismar, LA your next home !

Custom 5 bedroom, 4 bath home in Legacy Hills Subdivision.   Beautifully landscaped and two car garage with full size boat port Рproviding loads of storage or a 3rd garage stall.

Truly breathtaking.  Nice open floorplan, great picture window in the formal dining room, very spacious family room with windows across the back wall looking out onto the patio.

Den and dining area feature beautifully stained pine floors, exposed cypress beams, custom built-in entertainment center, 12ft. ceilings, gas burning fireplace and fresh paint.

What fantastic workspace in this¬†gourmet kitchen – you’ll find slab granite counters, custom cabinets, gas stove, built in wine rack, Travertine tile back splash, under mount sink, an eat-at island to die for and a pot-filler at the stove for your convenience.

The keeping area features a very nice built-in entertainment center and makes a great place for everyday family meals, game nights, birthday parties……

Triple split floor plan with 4 bedrooms downstairs, Hollywood bath between two of the bedrooms downstairs.

The 4th bedrooms is conveniently located on the opposite side of the home, having access to it’s own bathroom and making it a great office or guest room, mother-in-law suite, playroom…¬†‘

The 5th bedroom having a separate¬†bathroom and closet is upstairs over the garage (could be an awesome “man cave”, party room, craft room, movie room…) ¬†This room – minus a kitchen – is almost it’s own little one room apartment

The oversized Master suite has it’s own sitting area and access to the patio.

The bath features an extended length jetted tub, separate shower, his/her vanities with slab granite counters and oil rubbed bronzed fixtures, Built-in shelves, drawers and other storage features make this a DREAM COME TRUE closet.

 

Nothing was left out in this home, there is even a computer desk with cabinet space at the end of the hall. The utility room has ample space and includes a deep basin sink, built-in cabinets and a broom closet.

Outside you’ll find a fully fenced in backyard with a extended slate patio and cable hook-ups for a television. ¬†A MUST SEE !

Local amenities – all within a 2 mile radius –¬†Harvest Supermarket¬†– daily lunch specials, produce, meat, wine/beer, deli, crawfish (in season) – also a childhood favorite of everyone and the best you’ll find around – Snoballs (in season and OPEN now) !

¬†On the opposite corner of the supermarket is a Walgreen’s, a Chevron gas station, Local drugstore, Smoothie King, Notary Public, Dutchtown Primary, Dutchtown Middle School and Dutchtown High School (Dutchtown School District). ¬†

On the way to the I-10 entrance, you’ll find a Racetrac gas and convenience store, Sonic, Burger King, McDonalds, Subway, Popeyes, Las Palmas Mexican Restaurant, HotWok, Pizza Hut, LaChic Nails, Kaminari Sushi,¬†John Michaels Good Eats, plus a nice selection of other retail shops. ¬†

Welcome to Ascension Parish and the Geismar/Dutchtown area.

  Not looking for such a large home Р Search for more Homes here.

Contact me to preview this lovely home or any others you may be interested in – 225-933-9542

Maria Cardwell Thorn, Realtor, ABR, SFR, SRES, CDPE
Keller Williams Realty – First Choice
37325 Market Place Dr.
Prairieville, LA 70769
225-744-0044 Office
225-933-9542  Cell
Licensed in Louisiana
Each Office Independently Owned and Operated

 

Video

What a precious home for a “starter”¬† or a great investment property !¬†¬† 3 beds and 1.5 baths, cozy den and eat-in kitchen.¬† The outside features a nice storage building/workshop and nicely landscaped patio area.¬† The house backs up to a playground and tennis courts

http://www.mariathorn.com/listing/mlsid/393/propertyid/B1316158/

 

 

 

Video

Ormond Country Club – 206 Dunleith Dr. Destahan, LA 70047

Beautifully updated contemperary home in Ormond Country Club.
3 bedroom, 2.5 bath + Office
http://www.mariathorn.com/listing/mlsid/393/propertyid/B1309287/

Call Maria at 225-933-9542 for details

Maria Cardwell Thorn
maria@mariathorn.com
Keller Williams Realty First Choice
37325 Market Place Dr.
Prairieville, LA 70769
225-744-0044
225-933-9542
Each Office Independently Owned and Operated
Licensed in Louisiana
www.mariathorn.com