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                      What a Realtor can do for you

 * A Realtor (R) can help you determine how much home you can afford. Often a Realtor(R) can suggest ways to accrue the down payment and explain alternative financing methods.

 * A Realtor (R) In addition to knowing the local money market, also can tell you what personal and financial data to bring with you when you apply for a loan.

*A Realtor (R)  is already familiar with the current real estate values, taxes, utility costs, municipal  services and facilities, and may be aware of local zoning changes that could affect your decision to buy.

*A Realtor (R) can usually research your housing needs in advance through a Multiple Listing Service- even if you are relocating from another city.

*A Realtor (R) can show you only those homes best suited to your needs- size, style, features, location, accessibility to schools , tranportation, shopping and other personal preferences.

* A Realtor (R) often can suggest simple , imaginative changes the make a home more suitable for you and improve its utility and value.

*A Realtor (R) is sensitive to the importance you place on this major commitment you are about to make . Look for a real estate professional to facilitate negotiantions of a win- win aggreement that will satify both you and the seller.