Dearborn Michigan Buy a Home Information > Home Buying Guide > DearbornHomes.com

<body background="bkg-dearbornmirealestate.gif"> <h1>Buying a home in <i>Dearborn, Dearborn Heights Michigan or Wayne County / Southeast Michigan (MI)</i>...Whether you are a first time home buyer or a seasoned home / condo purchaser, be sure to check out this in depth home / condominium buying guide that includes house buying tips, steps to home ownership, buyer checklists and more!</h1> <h2><a href="buyerguide-terms.htm">Selecting a buyers agent, mortgage and loan calculators</a>, figure out how much house you can afford, the home buying process, steps to home ownership, house payment options, lender / bank requirements, escrow and closing cost</h2> <h3><a href="http://www.realestatedearbornmi.com/">Real estate Dearborn MI homes for sale</a> info, making an <a href="http://www.steve-hatfield.com/buyer.htm">offer to purchase</a>, answers to commonly asked home buying questions, find a realtor, fha, va, conventional and fixed rate / adjustable interest rate mortgage programs, what is a home inspection</h3> <br> getting a <a href="buyerguide-credit.htm">preapproval</a>, what is an earnest money deposit, <a href="buyerguide-buytips.htm">bank fees</a>, downpayment amounts, qualifying for a <a href="buyerguide-mortgageapp.htm">home loan</a>, financing help, buyer representation for your <a href="http://www.steve-hatfield.com/index.html">Century 21 Curran and Christie</a> real estate agent and much more! <font face="arial" size="2"> Serving... <a href="buyerguide-disclosure.htm">Dearborn Michigan</a>,Dearborn Heights,Redford,Westland,Livonia,Garden City,Canton,Plymouth,Northville,Detroit,<a href="http://www.yourwebdesigner.com/index.html">Wayne County</a>,Southeast Michigan,MI<br> </font> <br> In the early 90's there was a major change in the Michigan law regarding real estate agency disclosure. Prior to this change, Michigan law required all licensed real estate agents and brokers to work with customers as an agent of the seller. Even when the agent was helping a buyer with their home purchase, the agent was really working in the seller's best interest. Unfortunately, this fact was rarely disclosed to the buyer. <br><br> Michigan real estate agency law now allows an agent to represent their customer/client as either a <b>Buyers Agent</b>, Sellers Agent, Dual Agent or Transactional Coordinator. Michigan law also requires that the appropriate agency disclosure is made at the first point of contact with the customer. <br><br> When you work with an agent to find a home, you would naturally assume that the agent you are working with is representing your interest as a buyer's agent. Technically, this is the case if proper agency disclosure has been made to the customer/client. After all, according to Michigan agency law, any licensed agent can work on your behalf as a buyer's agent. You would also assume that the agent you are working with has had the necessary training and experience in buyer representation and buyer agency law to represent your best interest in the real estate transaction. Unfortunately this isn't always the case. Michigan law does not mandate or require that real estate agents, or brokers for that matter have any type of formal training in buyer agency law or buyer agency representation. <br><br> <img border=0 height=26 width=344 alt="homes for sale real estate listings houses wayne county michigan" vspace=5 src="image-dearbornhomes.gif"> <font face="arial" size="2"> <ol> <li>buying <li><a href="buyerguide-truthinlend.htm">buying a home</a> <li>first time buyer programs <li>dearborn homes for sale </ol> </font> <table cellpadding=0><tr><td> michigan,homes,heights,hts,<a href="buyerguide-tensteps.htm">houses</a> <br><br> buy,southeast,mi,new,plans,plan,assistance,grant,loan,loans,buyers agent,buyer agent, first,mortgage,mortgages,calculator,calculators,tip,tips,afford,payment,piti,purchase,homebuyer,wayne county, livonia,canton,realtors,westland,plymouth <br><br> Your home purchase will be most likely be one of the most important and largest investments you will ever make. You shouldn't trust this investment with just anyone. Make sure you are being represented by an agent who has had the necessary training and experience to truly represent your interest in the transaction. The Real Estate Buyer's Agency Council (REBAC) in conjunction with the National Association of Realtors offers an in-depth course in Buyer Representation and Buyer Agency law. Real estate agents who complete the required class work, pass a written examination and provide detailed documentation of their experience in buyer representation are then awarded the coveted designation of Accredited Buyer Representative (ABR). <br><br> Consider this...At the beginning of 2001, less than 4% of the 750,000 active REALTORS in the US and Canada, (approximately 26,000 agents) had invested the time and money that is required to earn the ABR Designation. <br><br> Protect your future investment... Find an ABR...Work with an ABR...Buy with an ABR <br><br> REBAC (Real estate BUYERS AGENT Council) is North America's largest Association of real estate professionals focusing specifically on representing the real estate consumer. There are more than 35,000 active members of the organization throughout the United States and Canada. REBAC awards the ABRŽ and ABRM designations. </td></tr><tr><td>redford,detroit,private mortgage insurance,process,guide,steps,lender,calculation, escrow,<a href="buyerguide-agency.htm">closing cost</a>. <br> costs,purchase offer,offer to purchase afford,checklist,question questions,info,agent find a realtor,realator,<b>realtors</b> <ul> <li>fha <li>va <li>va benefit <li>fixed rate <li>conventional,realatorsagents,real estate,realestate, home inspection,inspections,credit score,credit. </ul> </td></tr> <tr><td valign=top> software online,agency seller,disclosure truth in lending preapproval<br><img height=1 hspace=10 width=20 src="clear.gif"><br> pre approval,earnest money,title,deed,application,debt ratio,bridge loan,interest rate,rates,quit claim deed,pricipal,appraisal free second fee fees,downpayment,amount,equity,qualify help century 21 curran christie, century 21, century21,centery21,centery 21,house hunting abr wayne county.</td></tr> <tr><td bgcolor="#ffffff">livonia,canton,westland,plymouth,redford, detroit,mi,michigan,accredited buyer representative,representation,micigan,michgan,finance,financial,housing </td></tr></table> <br> <font face="arial" size="3"> <strong>Steve Hatfield, REALTOR, ABR, CRS</strong></font><font face="arial" size="2"><br> Your On-Line Realtor - providing professional real estate service in Dearborn Michigan, Dearborn Heights MI, and the Metro Detroit Michigan area including the Wayne County communities of Detroit Michigan, Westland MI, Canton Michigan, Plymouth MI, Livonia Michigan, Redford MI, Northville Michigan, Garden City MI, Novi Michigan. <img height=36 width=80 alt="dearborn michigan century 21 offices wayne county" src="image-dearbornmichigancentury21offices.gif"><br> CENTURY 21 Curran & Christie<br> 25636 Ford Road<br> Dearborn Heights, Michigan 48127<br> Office: 313-274-7200<br> <img height=35 width=38 alt="detroit michigan realtors wayne county" src="image-detroitmichiganrealtorswaynecounty.gif"><br><br> </font> <font face="arial" size="1"> REALTORŽ is a registered collective membership mark which identifies a real estate professional who is a member of the NATIONAL ASSOCIATION OF REALTORSŽ and subscribes to it's strict Code of Ethics. <br><br> Each Century 21 office (including Century 21 Curran and Johnson, Inc.) is independently owned and operated. <br><br> CENTURY 21 Curran & Christie has 3 offices in Wayne County Michigan to service your southeast Michigan real estate needs. <br><br> </font> <font face="arial,helvetica" size="1"> <a href="http://www.dearbornhomes.com/Dearborn/Michigan/Real_Estate/">Dearborn Michigan Housing Overview</a> | <a href="http://www.dearbornhomes.com/Dearborn_Heights/Michigan/Real_Estate/">Dearborn Heights Michigan Housing Overview</a> | <a href="meetstevedearbornrealtor.html">Meet Steve, Dearborn Realtor</a> | <a href="aboutabrcrs.html">About ABR, CRS, e-PRO</a> | <a href="talkofthetown.html">Client Testimonials</a> | <a href="century21curranandchristie.html">Century 21 Curran and Christie</a> | <a href="dearbornhomelistings.html">Steve's Home Listings</a> | <a href="searchforhomes.htm">Search for Dearborn Homes for Sale</a> | <a href="buydearbornhomes.html">Dearborn Home Buying Guide</a> | <a href="buyerguide-agency.htm">Dearborn Buyer Agency</a> | <a href="buyerguide-disclosure.htm">Agency Disclosure</a> | <a href="buyerguide-tensteps.htm">Ten Steps to Buying a Home in Dearborn</a> | <a href="buyerguide-buytips.htm">Home Buying Tips</a> | <a href="buyerguide-credit.htm">Your Credit Score</a> | <a href="buyerguide-mortgageapp.htm">Mortgage Application</a> | <a href="buyerguide-truthinlend.htm">Truth & Lending</a> | <a href="buyerguide-terms.htm">Buying Terms</a> | <a href="hotlist.html">Hot List</a> | <a href="selldearbornhomes.html">Selling Guide</a> | <a href="sellerguide-hireagent.htm">Hiring a Real Estate Agent</a> | <a href="sellerguide-marketing.htm">Marketing Your Dearborn Home</a> | <a href="sellerguide-preparing.htm">Preparing to sell your home in Dearborn</a> | <a href="sellerguide-showtime.htm">It's Show Time</a> | <a href="sellerguide-sellingtips.htm">Selling Tips</a> | <a href="sellerguide-warranty.htm">Offering a Home Warranty</a> | <a href="sellerguide-sellingterms.htm">Home Selling Terms</a> | <a href="sellerguide-fsbo.htm">Dearborn For Sale by Owner Real Estate and Homes for Sale</a> | <a href="meetstevedearbornrealtor-1.htm">Dearborn MI Realtors</a> | <a href="aboutabrcrs-1.htm">Accredited Buyer Representative / Certified Residential Specialist</a> | <a href="contactsteve-1.htm">Contact Steve Hatfield, Realtor</a> | <a href="talkofthetown-1.htm">Dearborn and Dearborn Heights Clients</a> | <a href="hotlist-1.html">Get Dearborn and Dearborn Heights home listings</a> | <a href="century21curranandchristie-1.htm">Century 21 Curran and Christie Real Estate</a> | <a href="dearbornhomelistings-1.html">Dearborn MI Homes for Sale</a> | <a href="buydearbornhomes-1.htm">Dearborn Real Estate Buying</a> | <a href="selldearbornhomes-1.htm">Dearborn Real Estate Selling</a> | <a href="leadbasedpaint-1.htm">Lead Paint information</a> | <a href="homeinspections-1.htm">Dearborn Home Inspections</a> | <a href="dearborncommunityschools-1.htm">Dearborn Schools</a> | <a href="tourdearbornmichigan-1.htm">Take a Tour of Dearborn Michigan</a> | <a href="fsbooffer.html">Free For Sale by Owner Web site</a> | <a href="fsbooffer-1.html">Dearborn and Dearborn Heights MI For Sale by Owners</a> | <a href="homerealestatenews.html">Dearborn Real Estate News</a> | <a href="January.html">Dearborn Real Estate News - January</a> | <a href="February.html">Dearborn Real Estate News - Febuary</a> | <a href="March.html">Dearborn Real Estate News - March</a> | <a href="April.html">Dearborn Homes For Sale News - April</a> | <a href="May.html">Dearborn MI Homes For Sale News - May</a> | <a href="June.html">Dearborn Homes For Sale News - June</a> | <a href="July.html">Dearborn Homes For Sale News - July</a> | <a href="August.html">Dearborn Homes For Sale News - August</a> | <a href="September.html">Dearborn Homes For Sale News - September</a> | <a href="October.html">Dearborn MI Homes For Sale News - October</a> | <a href="November.html">Dearborn Michigan Homes For Sale News - November</a> | <a href="December.html">Dearborn Michigan Homes For Sale News - December</a> | <a href="freesoftware-1.htm">Free Loan Amortization Software</a> | <a href="dearbornmichiganlinks-1.html">Dearborn Michigan Links</a> | <a href="leadbasedpaint.html">Lead Paint Guide</a> | <a href="homeinspections.html">Home Inspection Guide</a> | <a href="dearborncommunityschools.html">Dearborn Real Estate, Community and Schools</a> | <a href="tourdearbornmichigan.html">Tour of Dearborn Michigan</a> | <a href="freesoftware.htm">Free Software</a> | <a href="dearbornmichiganlinks.html">Local Dearborn Links</a> | <a href="http://www.dearbornhomes.com/index.html">Return to Home</a> <br><br>Visit Steve's other web site at <a href="http://www.steve-hatfield.com">www.Steve-Hatfield.com</a><br><br> </font> <br><br> </BODY>