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Mortgages Rapid City SD

To learn what your credit score currently is and if there are any mistakes on your credit report, contact the three major consumer credit reporter companies – Equifax, Experian, and TransUnion.

Kenneth L. Kirkeby
(605) 343-2700
Rapid City, SD
Agency
(Coldwell Banker Lewis-kirkeby-hall)
Average Home Size
Usually sells 2 Bedrooms
Average Home Price
Average Sales Price: 918k (34k - 11.4m)

Dana M. Vogt
(605) 341-4300
1240 Jackson Blvd
Rapid City, SD
Agency
(Remax Of Rapid City)
Average Home Size
Usually sells 4 Bedrooms
Average Home Price
Average Sales Price: 749k (749k - 749k)

Nick Werner
(605) 343-2700
Rapid City, SD
Agency
(Coldwell Banker Lewis-kirkeby-hall)
Average Home Size
Usually sells 2 Bedrooms
Average Home Price
Average Sales Price: 177k (38k - 479k)

Margaret Puszynski
(605) 341-4300
Rapid City, SD
Agency
(Re/max Of Rapid City)
Average Home Size
Usually sells 3 Bedrooms
Average Home Price
Average Sales Price: 238k (74k - 449k)

Bryan Iverson
(605) 341-4300
Rapid City, SD
Agency
(Homes Land)
Average Home Size
Usually sells 3 Bedrooms
Average Home Price
Average Sales Price: 194k (98k - 629k)

Delores Glover
(605) 716-3948
Rapid City, SD
Agency
(Exit Realty The Benchmark Co.)
Average Home Size
Usually sells 2 Bedrooms
Average Home Price
Average Sales Price: 99k (28k - 169k)

Steve P. Clark
(605) 343-2700
2700 W Main
Rapid City, SD
Agency
(Coldwell Banker Real Estate)
Average Home Size
Usually sells 0 Bedrooms
Average Home Price
Average Sales Price: 1.34m (134k - 2.87m)

David Olsen
(605) 343-2700
Rapid City, SD
Agency
(Coldwell Banker Lewis-kirkeby-hall)
Average Home Size
Usually sells 1 Bedroom
Average Home Price
Average Sales Price: 456k (54k - 4.99m)

Loren Lundquist
(605) 673-5400
Rapid City, SD
Agency
(Lundquist-Wood-Bradeen, LLC Real Estate Services)
Average Home Size
Usually sells 1 Bedroom
Average Home Price
Average Sales Price: 460k (24k - 2.11m)

Melvin Dreyer
(605) 343-2700
Rapid City, SD
Agency
(Coldwell Banker Lewis Kirkeby Hall)
Average Home Size
Usually sells 2 Bedrooms
Average Home Price
Average Sales Price: 255k (115k - 595k)

What to Know to Successfully Buy Your First Home

Homework essential to successfully buying your first home
Sun 11/22/09 01:44:02 pm
READ BEFORE YOU BUY

Are you considering taking the plunge and buying your first home? If so, you’re not alone. Across the country, owning a home still represents the American dream for many and the opportunity to buy your first home couldn’t be better.

Declining home prices, increasing numbers of foreclosed properties and unique government stimulus programs are luring potential homeowners into the market. But, purchasing a new home is more challenging then it was just a year or two ago. Relaxed lending standards over the past decade led to one of the greatest housing market booms in the nation's history, and have now contributed to one of the greatest housing market crashes. Lenders who were previously able 
to easily lend to most homebuyers have now severely tightened their lending standards, making it more difficult for potential buyers to obtain financing.

If you are still ready to make the jump from renter to homebuyer, here are some tips from FindLaw.com, the world’s leading online source for legal information on how to prepare to purchase your first home.

Carefully inspect your credit report

Lenders check your credit report to see if you have the means, the capacity and the track record to pay the mortgage on the home you would like to purchase. The better your credit score, the more likely you will obtain a favorable interest rate and terms on a mortgage.

To learn what your credit score currently is and if there are any mistakes on your credit report, contact the three major consumer credit reporter companies – Equifax, Experian, and TransUnion. The Fair Credit Reporting Act mandates that each of the consumer credit reporting companies must provide you with a free copy of your credit report at your request once every 12 months. If you find mistakes on a credit report, notify the credit reporting company in writing of the mistake. The reporting companies must, by law, investigate the disputed items unless they find that the dispute is frivolous. Credit scores are based on a range of 300 to 850 and a score of 700 or more suggests good credit management, according to Experian.

Become familiar with mortgage terms and conditions

A mortgage is a legal agreement between the lender and the buyer of a home in which the property is collateral for the loan. A lien on the property being purchased secures the promise to repay the loan. Never sign any legal documents, including a mortgage, if you do not clearly understand the terms and conditions of the agreement. If you feel pressured to sign a document, walk away and seek the assistance of an attorney or trusted real estate professional.

Shop around for your loan

Contact at least three financial institutions to obtain information on mortgage rates, terms and conditions for a first-time homebuyer. When you believe you have enough money for a...

Click here to read the rest of the article from mobilehome.com


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