Why buy with us?
Everyone dreams of owning their own home. When buying your first home, it can be a very exciting, yet anxiety filled experience. However, if you know what to expect during the home buying process you will be more relaxed and comfortable knowing that we will be by your side every step of the way guiding you through it and looking out for your best interests. Below are some of the things we will be helping you with along the way!Start your Home Search Here
Setting a Budget
Before the house hunting process begins, it is important to know how much you can afford. Expenses to consider include the down payment, monthly expenses, property taxes and any home insurance costs. These will all have to be considered before the home buying process begins as they are typically included in your new monthly payment. Since a person’s credit score determines their interest rate, knowing your score ahead of time can help you decide if now is a good time to buy or not. An individual’s debt-to-income ratio must also fall within acceptable limits of the home’s cost. Once you have determined these things, and if you feel that your budget has enough room to afford a new home, then its time to begin the home buying process!Calculate your Payment
When looking for a loan, be sure to get more than one loan quote to get the best interest rate and loan terms for your mortgage. Different banks and companies will offer different loan origination fees and by shopping around you can often times save yourself a lot of money. Be sure to also check your loan officers website for testimonials and information. A good loan officer will offer you many online resources and tools. Before you lock in your rate, be sure to check the daily rate with the rate your loan officer gives you to ensure you are getting the lowest rate possible. Interest rates will determine how much a mortgage will cost each month and come in fixed or adjustable terms. Mortgage lengths can range from 15 years to 30 years with some loan providers now offering 40 year mortgages as well. The longer the repayment term, the lower the payments will be. However, the interest accrued will also be higher on a longer loan.
Making an Offer & Negotiations
There is an art to making an offer on a home. Typically, sellers place their home’s value a little higher than their desired price. A buyer will send in a lower bid, in a reasonable range, and the seller will counter with an offer somewhere in the middle. We will be watching for signs of problems in the home and will make suggestions to you regarding the offer. Listen closely and be sure to ask questions, as your offer is an important part of buying a home. You want to make sure all of your bases are covered. That’s where having us as your Buyer’s Agent is most valuable so your rights and interests are protected. With our experience on your side, we will be able to help you negotiate a lower price that sometimes includes concessions or closing costs and avoid homes that have problems. Our job is to protect YOU in the contract.
Escrow and Closing Costs
Before the home is legally transferred to you, the closing process must occur. During this phase, you will sign all of the mortgage documents, pay closing costs, and sign various other legal documents. We will be there to help you through it all. Once all of the papers are signed and monies are transferred, the keys to your new home are yours! The only thing left to do is move into your humble abode. This may occur immediately after the closing or at the date set in the closing documents.
Better Home Search
Our website has the best online tools to search for your home! In fact, it’s even better than Zillow, Trulia and the many other real estate websites out there because our site is directly connected to the local MLS! What does that mean for you? Accuracy and Advantage! When you search homes here, you get the most up to date homes and properties available with the most accurate information! AND, if you sign up for Deal Alerts, you will get alerted of NEWEST Property matches & Price Changes BEFORE any other site has them! First, start by trying one of the Search tools in the menu at the top of the site. Try the Advanced search to choose specific options & customize your results based on all of the things you wish for in your new home. Second, Save your Search and you will be set up for auto alerts when a new home hits the market that matches! You can also try the Map search which offers a unique perspective by allowing you to use the polygon tool on the side to create boundaries on a map around the areas you want to live in. Already know the address of the property you want? Try the Address Search. OR if you have the property ID you can use the Listing Search to search by MLS#. Find a home you like? Simply click on the Schedule a showing button and send us an alert. We will schedule the time and confirm with you once it is set up! Once you have started searching, be sure to check out your My Account page so you can manage your Saved Searches & Favorite properties. The My Account feature has a ton of great tools designed to cater directly to you and provide you with a home-buying experience. And it’s Mobile friendly!Set up your First Search Here
Lenders normally require that you insure your home. Home Insurance Policies cover the costs to fix any damages that might occur to the home. The price of this insurance is dependent on a home’s age, location and value and the insurance company you choose. Be sure to call around and get several quotes or ask us for a list of vendors we work with. Insurance agents will oftentimes be able to take your information over the phone and get back to you the same day with a quote. Once you choose a company to insure your new home, the cost of that policy is normally added into your closing costs and sent into an escrow account to be paid to the insurance company directly the first year.
Getting a home inspection is a vital part of the home buying process. These inspections ensure that the home’s foundation, ceiling, heating, electrical system, walls, plumbing and entryways are up to certain standards. Sometimes the bank will require a home inspection however; many times they leave it to the buyer to purchase their own. It is extremely important to protect yourself by getting a home inspection right away. You typically have 10 days from an accepted offer to get the home inspected. Many buyers have been saved from disaster by taking the time to spend the extra $200 – $400 to get a home inspection only to find out the house has major problems allowing them to back out of the contract before it is too late. If you need help finding a Home Inspector, ask us! We can give you recommendations for many service providers that we work with all the time!
Tim and Laci were the Dream Team…
Tim and Laci were the Dream Team we needed to find the impossible – a lakefront home that perfectly fit our needs, desires, styles and budget! They acted quickly, previewed properties for us, and navigated us through the whole process start to finish, including answering every darn question/concern we had, at all hours of the day. We’ve referred several friends to them already!
They should allow a sixth star for Laci and Tim. They guided us through the home buying process with ease. My wife and I found them to be great communicators and advocates for us. We ran into some tough situations during the negotiation and even post offer acceptance. Their calm demeanor, thoughtful approach, and professionalism was what kept everything on track. Tim and Laci just have a willingness to go the extra mile for YOU. Whether it was driving 2 extra hours to do a walk through for us or picking up grout sealer as a housewarming gift 🙂 …. they did everything they could to take the burden of home buying off our shoulders. Infinitely recommended!!! TEAM CRABTREE all the way.
Superman and Wonder Woman!
They were amazing at helping us find our house. Superman and wonder woman!
Blessed to have Tim and Laci as Realtors
Laci and Tim are the best team!!! We are so blessed to have them as Realtors and friends. Laci and Tim have been great to work with through the process of finding our new home; they are patient, caring, detailed, and very professional. We just closed on our new home! Thanks to Laci and Tim!!
My husband and I bought our first home with Team Crabtree. I’d highly recommend these two to anyone. They helped us every step of the way. They knew we didn’t know anything about buying a home but they worked with us through it all. Tim and Laci are very outgoing and easy to talk to, making it an amazing experience. Forever grateful. Because of them I am the happiest I have ever been! Thanks!
I have never been so happy with my decision.
I am a 27 year old first time home buyer and let me tell you how terrifying that feeling can be when you have no clue where to start! Thankfully, this awesome duo left their business card while I was at work and I am so glad they did. I called them and they welcomed me in with open arms! They explained the process start to finish in such an easy way to understand. I also used their reference for F&M Mortgage in Murfreesboro, TN and I have never been so happy with my decision. I never felt pressured and I was always reassured when I had any concerns. They truly want to make a difference and they deliver. If you want a team that makes you feel like part of the family then please take the first step and reach out to them with any questions you have today! They are more than happy to help your dreams become a reality. I went in unsure and skeptical and came out with a lifelong friendship and home that is made for my family!
I definitely recommend using them.
Team Crabtree are great people and fun to work with. They are knowledgeable and will help take the stress out of buying or selling your home. I definitely recommend using them.
Great to work with!
Great to work with! This couple is a power couple who listens then works their magic. With all the right ingredients like humor, flexibility, professionalism, etc they are the sweetest real estate agents to exist.
I recommend them to everyone!
If you want some peace of mind knowing someone is working for YOU and looking out for YOUR best interests whether you are selling or buying a home, Tim & Laci are hands down your go to real estate team! I recommend them to everyone!
I would definitely recommend them for buying or selling!
Tim and Laci are wonderful people and even better agents. They truly care and are knowledge about the market. I would definitely recommend them for buying or selling!
You won’t find a better team to work with.
You won’t find a better team to work with. Trustworthy and honest the Crabtree’s will do what it takes to sell your home or find you the perfect new one. We will be calling them the next time we have any home needs for sure. They will answer all your questions a thousand times and not even bat an eye. I compeletly trust that they have the customer’s best interest in mind throughout the home buying/selling process. Go Team Crabtree!
Team Crabtree works hard to make sure you feel comfortable
Team Crabtree works hard to make sure you feel comfortable and are well educated with no pressure and is always a fun and exciting experience!!!
Would recommend Team Crabtree for your buying or selling home needs.
Would recommend Team Crabtree for your buying or selling home needs. They are knowledgeable and trustworthy.
We appreciate so much all that Tim and Laci did for us in the selling and purchasing of our home!
Tim and Laci are the kind of people that are very difficult to find these days. They never treat clients as just another number or dollar sign. The attention they give to their clients wants and needs are second to none. We appreciate so much all that Tim and Laci did for us in the selling and purchasing of our home!
I promise you won’t regret building a relationship with the Crabtree’s!
Tim and Laci went above and beyond in every aspect. I was referred to them from family and was hesitant, but after I sent the first text to them and got a response I knew I was referred for a reason. I spent 5 minutes on the phone describing my dream home and within that night, we had several properties matching was I liked and they liked AND lined up to view. When I found the home I wanted to place an offer on, they took it seriously and fought for me every single step of the way, even when things didn’t go as planned. I didn’t just find a realtor, I found friendship with a perfect couple that will forever be my realtors, no matter where I’m looking to buy. I can’t thank them enough for my lovely FIRST home. I promise you won’t regret building a relationship with the Crabtree’s!
They go above and beyond expectations.
Tim and Laci are very honest and trustworthy people. They go above and beyond expectations.
I would highly recommend them to represent anyone in a real estate transaction.
Tim and Laci are two of the most honest, loving, trustworthy, and hardworking people that I know. I would highly recommend them to represent anyone in a real estate transaction.