A Note from the owner.

Charter House has saved our sellers over $2 million dollars in commission over the past 2 years compared to 6% and we are proud of this fact!

This means we take less commission than others while still providing full service.

While we might seem seller focused, the long term success of our business depends on BUYERS allowing us to help them buy homes!

You do not have to buy with us to sell your home, BUT, if you do plan to buy a home, we would greatly appreciate you allowing us to help you do that. We simply make more money helping buyers and those deals are needed to keep our doors open for years to come!

If you appreciate what we do on the selling side, help keep us around by buying a home through us or telling a friend about us that is looking to buy a home. Thanks!

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Seller Guide

    Financing Options

    Start A Green File

    A Green File should contain all of your important financial documents. Regardless of the loan type, lenders will need information about you. Make copies of financial statements; bank accounts, investments, credit cards, auto loans, recent pay stubs and two years’ tax returns.

    Check Your Credit Rating

    Credit scores range between 400 and 800. 620 + is considered "good". 680 + is considered "premium" and may possibly help get you a lower interest rate.

    Below you will find the contact information for the 3 major credit reporting agencies to help you determine your credit rating. Ask your lender how to improve your credit score if you need to. Going forward, treat your credit like gold.

    Equifax http://www.equifax.com 800.685.1111
    Experian http://www.experian.com 800.392.1122
    Trans Union http://www.transunion.com 800.888.4213

    Savings & Debt

    If you are buying real estate, try to accumulate funds towards your down payment, closing costs (appraisal, miscellaneous fees, escrow, title insurance, etc.) and expenses such as inspections. Furthermore, try to pay down existing revolving and high interest rate debt like credit cards.

    Toe The Line

    Now is not a good time to change careers, move your money around, or buy big ticket items. Lenders like stability. So if you are considering any major changes, it pays to meet with a lender and ask them how to proceed before you make any changes! If you are tempted to buy a big ticket item, consider the following:

    A $500 a month debt payment (like a credit card or auto loan) could lower the amount of home you can afford by about $83,000! *

    * Based on a 30 year mortgage at 6% interest.