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Waterfront home-purchasing F.A.Q.’s: Buying or selling a home can be a complicated process From marketing, loan pre-approval, to mortgage insurance, or paying points. Now throw “waterfront home” into the process, and matters can become even more complex. Fortunately, The Kristi Neidhardt Team knows the ins and outs of this process, and these 10 tips will give you a heads-up on what to expect when purchasing an Annapolis waterfront home.
Are you choosing a waterfront home specialist?
If your Realtor is not familiar with the subtleties of selling or buying a waterfront home, they likely won’t be able to help you make the best decision on which waterfront properties in Annapolis is the best home to fit your needs, at the best possible price. One example: You may have found a great waterfront home, but were not aware that the dock modification you require is prohibited for that particular home.
What about the utilities?
Not every Annapolis area waterfront home has access to all of today’s modern conveniences like cable, city sewer, or even healthy water. The Kristi Neidhardt Team can help you make the best decisions based on your needs and what’s available to transition a waterfront house into your dream home. Let us help you check out what is possible, because bringing these amenities to your home after the sale can be expensive.
Can your home take the storms?
An average home will not encounter the elements or wear that waterfront homes are exposed to on a daily basis, especially storms. Are the locks and hardware on the home stainless steel to help prevent salt-air corrosion? Are the widows set up with optimal protection from hurricanes?
What about the insurance?
There are many types of policies, and to get the best advice you need a specialist in waterfront homes to explain the differences between a wind policy and a flood policy, or a general hazard policy. Learn the difference early in the process as some mortgage companies require more than one type of policy.
Maybe the home is a winner, but what else?
You might find the waterfront home of your dreams. You purchase it, only to find out later that the view is not always what you thought it would be, or maybe it’s not as quiet as you were assuming it was. You can love the house, but remember you can’t change the location. Choose a Realtor that can help navigate through issues like these.
Is this a property that really speaks to your lifestyle?
What activities are most important to you. Kayaking? Deep sea fishing? Swimming? Finding the right waterfront Annapolis home for you requires putting all of the pieces of the puzzle together, so you can make wise decisions.
Can I add a which-a-ma-call-it?
From updating a dock to improving a seawall, you’ll find that a waterfront specialist is a valuable resource to ensuring that your new home can be modified, or if it cannot be changed the way you want it to. Navigating through which government agency you need to apply to is challenging, and your waterfront specialist can assist you in making sure your new home in Annapolis meets your requirements.
Talk to the neighbors.
If you’ve never tried this, you can really learn a great deal that you might not find out about until it’s too late. If your Realtor is a waterfront specialist, especially in an area like Annapolis, she already knows that talking with neighbors is a good way to ensure that the full picture of the home is developing into your hone-purchase strategy.
What are your waterfront homeowner responsibilities?
What are the restrictions on your home is the property is part of a homeowner’s association? How do you do diligence in finding out? The Kristi Neidhardt Team can help you with this too, so you can clarify who covers the maintenance, and if the management company has adequate reserves to keep the community looking and running ship-shape.
The Kristi Neidhardt Team is the waterfront home selling and buying specialist in Annapolis. They know how to help you find your waterfront dream home, or sell the home you’ve been enjoying for years to a new family.
The Kristi Neidhardt Team of Northrop Realty
(a Long and Foster Company)
900 Bestgate Road, Suite 100
Annapolis, Maryland, 21401