Christina Asbury, Realtor
Search for Homes and Land in Jacksonville NC

-Have your own agent. Believing they might get a better deal or out of ignorance many buyers call the agent on the sign in the front yard. Buyers should research what a dual agent can and can't do under their state real estate license laws. North Carolina does allow dual agency but it must be disclosed to all parties. All homebuyers should be represented by an agent who has a fiduciary responsibility to them. Give me a call at 910-262-3948 to schedule an appointment to see a home in the coastal NC area. I work closely with several builders and agents in new communities sprouting up between Jacksonville and Leland so we can look at new construction homes as well.  

-If considering new construction, pick the right builder. Working with a builder is like a short-term marriage. Ask for references or testimonials from the builders sales agents. Do your own investigation of their previous projects, length in business and complaints filed with business bureaus.  

-Consider resale characteristics. The allure of being the first to occupy a home sometimes clouds a secondary location or poor craftsmanship. Oftentimes you can find a nice existing home that meets your needs at a lower price. Consider a resale home in a primary location before signing on the line just because it's new construction.  

-Investigate property taxes independently. Property taxes can be a financial surprise you weren't expecting with the purchase of a home. Most lenders will set up whats called an escrow account so that a portion of your monthly payments goes into a separate account that pays your homeowner's insurance and property taxes at the end of the year. Complete your own due diligence and call the local taxing authority to find out the worst-case scenario.  

-Perform a home inspection. Never skip or waive the right to a inspection, the benefits far out weigh the costs and could save you numerous headaches and expenses later. New construction is not immune from defects and lack-luster workmanship either. Hire a professional, not Uncle Bert. Perform the inspection at least seven days prior to closing.

-Ask for a Home Warranty.  Many different companies offer a one year Home Warranty on new and existing homes. These programs will offer you peace of mind when buying any home. If your sink springs a leak or the HVAC goes out, simply call a toll free number and file a cliam. A service rep will call you and dispatch a contractor to resolve your problems. Generally you pay a co-pay ranging from $35-$75 and the contractor fixes it. All plans are different so be sure to look at the fine print for items excluded from coverage.

-Get Pre Approved. If you are interested in buying, it is a good idea to get pre-approved for your Home Loan. This way, you will know your budget before you start looking at homes and won't waste any time looking at homes that are priced below or above your price range.