Alpena, Presque Isle and Hubbard Lake real estate and homes for sale in Michigan - Margie Haaxma, REALTORS® Margie Haaxma REALTORS(r) for Alpena, Presque Isle and Hubbard Lake, Michigan real estate - NUMBER1EXPERTS™ Margie Haaxma NUMBER1EXPERTS(tm) for Alpena, Presque Isle and Hubbard Lake, Michigan real estate
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Margie Haaxma, REALTORŪ, real estate agents and broker for Alpena, Presque Isle and Hubbard Lake Michigan home listings, property and land for sale - NUMBER1EXPERT(tm)
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First Time Homebuyers: Alpena, Presque Isle and Hubbard Lake Michigan home buying, real estate listings, and homes for sale in Alpena County, MI
Welcome > For Buyers > First Time Homebuyers ...


Buying Your First Home? REALTORSŪ Are Your Professional Guides. Make Sure You Choose Top Experts. 

You might be a bit afraid or intimidated by the whole process of buying your first home. As top Alpena, Presque Isle and Hubbard Lake real estate experts, it's our job to guide you, from beginning to end. 

We 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? 

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

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

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Real Estate Tips
Titles >Do You Really Need Title Insurance

When a home is purchased, title insurance is one of the closing cost items on the closing statement. This insurance protects the buyer from defects in the title that are not discovered until after the closing. There are two kinds of title insurance--coverage that protects the lender for the balance of the mortgage if the buyers have a loan, and coverage that protects the buyers' equity in the property.

It is prudent to purchase owners' coverage because most of the title problems that arise after a closing are not from a sloppy title search, but are the result of inaccurate information in the public records. The ownership chain goes back a long way, and fraud or misrepresentation anywhere in the chain could mean big problems. Title insurance will protect you if a wife or husband did not properly sign off on the ownership papers or if the property was sold as part of an estate that was later disputed. Most people do not have to deal with the title insurance company after the closing, but this coverage could save your investment if a problem arises.

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Real Estate Trivia
Q 
What little-known folk remedy is said to help keep bats away from your home?

A 
According to some rural homeowners, if you tar and feather a two-by-four board and place it in your yard, it will ward off bats!
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Margie Haaxma, REALTORŪ, real estate agents and broker for Alpena, Presque Isle and Hubbard Lake Michigan home listings, property and land for sale - NUMBER1EXPERT(tm)

Margie Haaxma
Banner Realty

259 S. Ripley Blvd.
Alpena MI 49707-4003
989-356-1177
800-356-9961
Fax: 989 356-2147
margiehaaxma@NUMBER1EXPERT.com

Alpena's Most Successful Team... Margie Haaxma is Alpena's #1 Listing and Selling Agent and Broker of Banner Realty. She is a native of Alpena and was born to sell real estate! Her love is working to make a smooth and pleasant transaction for the buyer and seller. Margie's knowledge, experience, ethics, and training have been built over the years and the foundation of her business is from referrals. We welcome you once again...to Alpena's Most Successful Team...

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Banner Realty real estate and homes for sale in Alpena, Presque Isle and Hubbard Lake Michigan

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