WHERE DREAMS COME HOME
Home is where the heart is. And I help you find a place to feel at home. Whether you are buying or selling you've come to the right place.
Home is where the heart is.
Darcie Viola
REALTOR
610-658-5332/Direct
484-432-6280/Cell
1-866-539-9179/Fax
338 W. Lancaster Ave.
Haverford, PA 19041
610-649-4500
Additional Buyer Services
All under one roof for one stop shopping!
Homeowners Insurance - With all the challenges facing families today, no one has time to become an insurance expert. That's why you need an experienced team who can analyze all the options open to you and suggest the best alternatives for your needsTitle Insurance - Our computerized mobile settlement system means you can count on accurate, complete work, and our well-trained and well-qualified professionals provide an unsurpassed level of efficient service.
HOMEssentials - Only Berkshire Hathaway HomeServices Fox & Roach, REALTORS® offers free HOMEssentials start-up services, plus access to valuable preferred customer discounts, to get your new home up and running.
Relocation Services - With a unique blend of relocation and real estate experience, Berkshire Hathaway HomeServices Fox & Roach, REALTORS® Relocation Services can help employees feel at home in the Greater Philadelphia Tri-State area. Contact Darcie for further assistance.
The Home Buying Process can be difficult without the right resources, especially if you've never done it before. You should start by figuring out whether owning a home is right for you. Everyones circumstances are different. Keep in mind if you do buy a home, there are extra responsibilities and costs that go along with owning a home-such as lawn care, home maintenance and repairs, etc. Here are some basic steps to pruchasing a home and remember BHHS Fox & Roach offers all your Buyer's Services under one roof for one-stop shopping:
Figure out How Much You Can Afford - You can calculate how much you can afford by starting online. Don't forget to factor in money you'll need for a down payment, closing costs, fees (such as fees for an attorney, appraisal, inspection, etc.) and the costs of remodeling or furniture. Calculate your monthly payment with applicable financial charges, PMI, hazard insurance, and property taxes. Get started now!
Find the Right Lender - Be sure you at least get a pre-approval. Pre-qualifications are only a guess based on what you tell the lender and are no guarantee, whereas a pre-approval will give you a better idea of how big a loan you qualify for. The lender will actually pull your credit and get more information about you. However, you could even take it one step further by getting an actual approval before you start home shopping. That way, when you're ready to make an offer, it will make the sale go much quicker. Besides, your offer will look more appealing than other buyers since your financing is guaranteed. We offer an unbeatable combination of professionally qualified mortgage consultants, a full spectrum of programs, and a streamlined process with the ability to talk to a real person. Only Trident gives you - Everything you need. Right Here. Right Now. Get your pre-approved started!
Look for the Right Home - Make a list of your wants, needs and must haves. Do you prefer city, suburbs or countryside? Do you want to live in an established neighborhood or a new development? Do you have school-age children? How do you feel about commuting time? A lot depends on your lifestyle. Do you want a big yard where you can indulge your love for gardening, or would you prefer a maintenance-free condo? Do you need extra bedrooms for a growing family or out-of-town guests? Do you enjoy renovating and redecorating, or would your rather find a home in “move-in” condition? Once you've made a list of your must-have's, it's time to GET OUR FREE MOBILE APP! (or text PFR35087 to 87778), You can start your search for a new home! online, search for Open Houses, and create a HomePilot account to gain access to all the listings straight from MLS, get email alerts the instant new properties matching your search hits the market, view neighborhood-level market data, save searches, share and rate listings, save notes and more. Be sure to list me as your Agent and use Darcie as your password!
Make an Offer on the Home - Now that you've found the home you want, you have to make an offer. Most sellers price their homes a bit high, expecting that there will be some haggling involved. A decent place to start is about five percent below the asking price. You can also get a list from your real estate agent to find out how much comparable homes have sold for. Once you've made your offer, don't think it's final. The seller may make a counter-offer to which you can also counter-offer. But you don't want to go back and forth too much. Somewhere, you have to meet in the middle. Once you've agreed on a price, you'll complete an Agreement of Sale and make an earnest money deposit, which is money that goes in escrow to give the seller a sign of good faith. Make sure you get a home inspection it will be well-worth the money spent since it ensures the property's structural soundness and good condition.
Get the Right Mortgage for Your Situation - Trident Mortgage Company is a full-service mortgage banker and one of the largest Realtor-affiliated mortgage companies in the United States. You can count on us for fast pre-approvals, a streamlined application and approval process and a team of professional mortgage consultants throughout the Delaware Valley. The convenience doesn’t stop there, because we’re also a member of The Trident Group. With a heritage that dates to 1906, The Trident Group pioneered the idea of one-stop shopping for homebuyers. Today, the Trident family of companies offers you easy access not only to mortgage financing, but also to settlement services, and homeowners and title insurance all under one roof: ours. The Trident Group is: Trident Mortgage Company, Trident Land Transfer Company and Trident Insurance Agency Company. We work together so financial and insurance hassles never have to stand between you and your dream home. We make it easy for you to get the products and services you need to make your dream a reality. Start you Mortgage Application here!
Close on Your Home - Setting the closing date that is convenient to both parties may be tricky, but can certainly be done. Remember that you may have to wait until your rental agreement runs out and the seller may have to wait until they close on their new house. Be sure you talk to your mortgage banker to understand all the costs that will be involved with the closing so there are no surprises. Closing costs will likely include (but are not limited to) your down payment, title fees, appraisal fees, attorney fees, inspection fees, and points you may have bought to buy down your interest rate.
Move In! - You've got your mortgage, closed the deal and now it's time to move in! Whether you use a mover or not is up to you, depending on your financial situation and how much stuff you have to move; perhaps also, whether you have a lot of friends willing to help you move. Either way, you're done with the home buying process! Just start unpacking and start enjoying your first home! Buying a home for the first time doesn't have to be a hassle if you're prepared and you know what to do and when to do it. Choose an experienced home loan lender and a friendly, knowledgeable real estate agent-they are the key to helping you have a smooth home buying experience! Contact Darcie for personal service!
GET OUR FREE MOBILE APP!
If you are looking for a home to buy or rent start by downloading the mobile app here or text PFR35087 to 87778.
WHY USE A REALTOR
Do you absolutely need a Realtor to buy a home? There's no law that says you can't go it alone. But the real question is: "Why would you not want to avail yourself of the free services of a professional whose whole career is spent helping people turn the dream of home ownership into reality?"And in almost every case, it is the Seller, not the Buyer, who pays the Realtor's commission on the selling price of the home. If you are a Buyer, using a Realtor doesn't cost you a cent - but it can save you thousands of dollars! Some home buyers think that if they don't use a real estate agent, the Seller will be more amenable to lowering the price of the home...These home buyers mistakenly think that if the Seller has the opportunity to pay less in commissions, he/she will share those "savings" with the buyer. Fair is fair, right? It may seem logical, but in fact, it doesn't work that way in residential real estate. In listing their home, Sellers have already committed to paying the Realtor's commission. Whether you use a Realtor or not, it is unlikely to change the Seller's fee. What about "For Sale by Owners" (FSBO's) homes?Without the Competitive Market Analysis that a Realtor offers, FSBO's are often overpriced. Assuming that you succeed in knocking down the Seller's price somewhat, you won't necessarily being paying less than you would have using a Realtor - and you may be paying a lot more than you should! You need the professional services of a Realtor to get you accurate, complete and relevant information about housing values and the market in general in your area and the expertise to interpret that data. So, if the issue isn't really cash out of pocket, and it is most unlikely you are going to get the Seller to split any "savings", the question is: Why would anyone want to plow through the complicated maze of residential real estate unassisted? How many of us can negotiate aggressively - yet successfully? Know about financing and financing options? Know what disclosures are required - and what questions should be asked? How many of us have the time to organize and respond to the manifold inspections that need to be done before a house comes to a closing? When you are buying a home a Realtor does all of this for you - and the Seller pays the agent's fee. Still Undecided? Here are Ten Simple Reasons to use a Realtor when buying: Your REALTOR® can help you determine your buying power, explain financing options and refer you to those lenders best qualified to help you. Your REALTOR® has unique resources to assist you in your home search. Sometimes the property you are seeking is available but not actively advertised. Your REALTOR® can assist your selection process by providing objective information about each property you wish to see, and making it possible for you to do so. Your REALTOR® can help you negotiate the myriad factors, including but not limited to price, financing, terms, date of possession and often the inclusion or exclusion of repairs and furnishings or equipment, that come with buying a home. Your REALTOR® provides due diligence during the evaluation of the property, including finding qualified responsible professionals to do inspections and title searches.Your REALTOR® can guide you through the closing process to make sure everything flows together smoothly.The Bottom Line: It's extremely important that your find a good real estate professional - a Realtor - to help guide you through the home buying process! A good agent can expose you to areas, home styles and financial options you might not have considered. They might save a you a great deal of money - or save you from a terrible mistake. At the very least, your Realtor can help you avoid the numerous potholes that too often plague the road to home ownership.