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Shawnna Neill

Shawnna Neill


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Upfront Costs You Will Need Before Buying a Home

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Is a sum of money paid by a buyer at the time a contract to purchase a home that has been executed by all parties. It shows the seller the intention and ability of the buyer to carry out the terms of the contract.  Normally such earnest money is applied against the purchase price at closing. Often the contract provides for forfeiture of this sum if the buyer defaults.

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Is a limited, non-invasive examination of the condition of a home, often in connection with the sale of that home. The inspector prepares and delivers to the client a written report of findings. The client then uses the knowledge gained to make informed decisions about their pending real estate purchase. The home inspector describes the condition of the home at the time of inspection but does not guarantee future condition, efficiency, or life expectancy of systems or components.  If you uncover hidden structural, mechanical or other issues, you can negotiate the repair terms with the seller before you move forward with the deal. Otherwise, you will be solely responsible for any problems and the cost of fixing them.


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Your mortgage lender wants to be sure the home it’s about to loan you many thousands of dollars to buy is worth every penny. That is why you need a home appraisal before finalizing a mortgage loan agreement. The lender will hire an independent certified appraiser to assess the property value of the home for sale.