A V E R Y  G I L L I A M   R E A L   E S T A T E                                    

   "I will help you with ANY property for sale here on the Gulf Coast, regardless of what agency has it listed. My service area includes Hancock County, Harrison County, Jackson County, Bay St Louis, Biloxi, Gulfport, Pass Christian, Waveland, Long Beach, Ocean Springs, Vancleave, D'Iberville, Gautier, Pearlington, & Perkiston. I provide Buyer's Agent Services, Listing or Seller's Services, Property Management, Relocation Services, Investor Portfolio, Bank Owned Management & Sales Services, Commercial & Residential Sales Services. For further questions or information about Mississippi Gulf Coast Real Estate, please, call any one of the listed telephone numbers on this site. It is important to me that you be able to access me easily for all your real estate needs. Thank you in advance and I look forward to working with you."  Your Experienced Realtor, Michelle

Buying a  home can be one of your most significant investments in life. It is an event in which you will choose, not only, a dwelling, but you will choose the place in which you will experience many of life's precious moments. It  is the an investment in your form of solace, the raising of your children, and the place where you want to find the most comfort, love, happiness, peace and joy.

The experience of locating and purchasing a home should be without chaos and stress, in as much as possible. Preparation is a key to a smooth process.

Part of this preparation is to select a qualified  REALTOR(R), understand Working with a Realtor, choose financing options, ahead of time, that suite you individually and get pre-approved by a lender.  Also importantly,  have a good understanding of what you need, want, and what you don't want in a home and property.

The goal of this page is to provide you with detailed information to assist you in making an intelligent and informed decision. Remember, if you have any questions about the process, I'm only a phone call or email away!

The following topics are important considerations when planning to purchase real estate.

Benefits of Owning Your Own Home

• The Best Investment

• Income Tax Savings

• Stable Monthly Housing Costs

• Forced Savings

• Freedom and Individuality

• More Space

Important Things To Avoid Before Buying a Home

• Don't Move Money Around

• Changing Jobs

• No Major Purchases of Any Kind

Don't Buy a Car - or Did You Already Buy One?

• When Income Grows and You Want to Buy "Stuff"

• Debt-to-Income Ratios and Car Payment

• How Buying a Car Reduces Your Purchase Price

The Business Cycle and Buying a Home

• Recession and Expansion

• Supply and Demand

• Should You Try to "Time the Market"

Comparable Sales and Your Offer Price

• Determining Your Offer Price

• Comparable Sales in the Public Record

• Comparable Sales in the Multiple Listing Service

• Comparable Sales-Pending Transactions

• Other Factors Influencing Your Offer Price

Major Factors Influencing Your Offer Price

• How Property Conditions Affects Your Offer

• How Home Improvements Affect Your Offer

• How Market Conditions Affect Your Offer

• How Seller Motivation Affects Your Offer

• The Final Decision on Your Offer Price

Offering to Purchase Real Estate-the Basics

• Introduction and Overview

• Contingencies in a Purchase Offer

• Earnest Money Deposit

• The Closing Date

• Transfer of Possession

Writing an Offer- Safeguards Regarding the Property

• Disclosures From the Seller

• Condition of the Property Upon Transfer

• Inspections You Should Require

• Final Walk-Through Inspection

How Financing Details Affect Your Offer

• Downpayment

• Interest Rates

• Closing Costs and Financing Incentives

• Owner Financing

• Cash Offers

• Other Financing Details and terms in Your Offer

How FHA and VA Financing Affects Your Offer

• Extra Costs for the Seller

• VA and FHA Appraisals

• Condition of the Property meeting FHA and VA guidelines

Selecting Service Providers

• You and the Seller Must Agree

• Escrow and Settlement

• Title Insurance

• Termite and Pest Inspection

• Mold Inspection

• Home Warranty

• Surveyors

• Lender

• Closing Attorney

[Home]         [Featured Listings]       [MLS Listings]    [About Us]      [Find an Agent]       [E-mail Us]       [Construction]

The advertisers and publishers are not responsible or liable for misinformation, misprints, or typographical errors. All information is provided is deemed reliable but is not guaranteed and should be independently verified. Properties subject to prior sale or rental.