Silver Santos

February 27th, 2009

Silver Santos

Silver Coast Property

http://www.silvercoastproperty.net/

If you are interested in investing in holiday apartment, townhouse, small villa or luxury villa on the Silver Coast region, surely we have the property you are looking for.
Silver Coast Properties is a Portuguese real estate company located in the Silver Coast region -near Peniche (Ferrel) and is a fully licensed Portuguese Real Estate Agency (AMI Licence 6837).
We are a company dedicated to provide you the best quality of services and our profissional team will help you in every step of the way to make the right investment. Our experience with foreign clients provides us with all of the knowledge to facilitate the purchasing process. In addition to finding the property to suit your budget and requirements, we will handle all the procedures and legal requirements associated with your purchase and your stay in Silver Coast.
Silver Coast Properties have all the pleasure during your stay to inform you about the location of services such as hospital, leisure and sport facilities and restaurants which you may take into consideration when deciding.

http://www.silvercoastproperty.net/

Sincerely,

Paulo Santos
Sugerir Real Estate Agent

Six Simple Steps to Ensure a Smooth Home Purchase

Buying a home can be an emotional, time-consuming, and complex process. There are a few things that you can do to help make the process go as smooth as possible:

1. Check your credit.
Before you apply for a home loan, regardless of your credit, it's a smart idea to obtain a copy of your credit report from the three major credit bureaus and review the information. If there are errors or things that need to be addressed, it's easier to address them before you have found a house, than after you have found a house and are trying to close your loan.

If you know that there are a few blemishes on your credit, let your lender know what they are, why they are there, and why you are a still good credit risk. Lenders look at your credit to determine how likely you will pay back the loan. If you had extenuating circumstances - like a loss of a job or medical bills - let them know so that they understand that it is not likely to happen again in the future.

2. Get approved before you buy.
An approval means that a lender has reviewed your credit history, verified your assets and employment, and has approved your loan before you have found a home to purchase. As long as the home appraises for at least the purchase price, the loan should close.

Getting approved also gives you an advantage over other buyers. Your firm approval makes it easier for you to negotiate on the price of a home, than a person who is not approved or is pre-qualified.

While getting pre-qualified may sound official, it is really just getting an idea of what you can afford. Its having a person plug in a few numbers that you give them - your monthly income and your monthly debt - and getting an approximate payment calculated. From the payment, the calculator can approximate the house price range that you can afford. No information is verified. Because your assets, income or credit is not verified, a pre-qualification has little value when purchasing a home.

3. Find a great buyer's agent.
Traditionally real estate agents represent the sellers in a transaction. When you are not working with a buyer's agent, they are less likely to negotiate the best price or contingencies for you.

A buyer's agent's job and fiduciary responsibility (meaning legal duty) is to you, the buyer. Before working with an agent, establish if they are a buyer's agent or a seller's agent. After spending a lot of time with a Realtor, it's natural to feel like you're a team. But if they are not negotiating for you, then they are not on your team.

About the Author

Paulo Santos is an real estate agent since 2000 passing thru 2 diferent companies, in 2005 he formed his own company Sugerir Mediação imobiliaria Lda wich was a big success mainly working with overseas clients.
He also collaborate two times with the english program " Property developing abroad" and with the Irish program " House hunting in the Sun" presented by Jim Smith