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A REALTOR can help you determine how much home you can afford.

A REALTOR, in addition to knowing the local money market, also can tell you what personal and financial data to bring with you when you apply for a loan.

A REALTOR is already familiar with current real estate values, taxes, utility costs, municipal services and facilities that could affect your decision to buy.

A REALTOR can research your housing needs in advance through a Multiple Listing Service--even if you are relocating from another city.

A REALTOR can show you only those homes best suited to your needs--size, style, features, location, accessibility to schools, transportation, shopping and other personal preferences.

A REALTOR is sensitive to the importance you place on this major commitment you are about to make. Look for a real estate professional to facilitate negotiation of a win-win agreement that will satisfy both you and the seller.