All agents are NOT alike! Find out why I am a top real estate expert. Please call me 215-504-7573

Request My Free Relocation Package!
Moving your family to another town or state is a major event in your life! I have helped many families and individuals relocate!
Find Out More >
View All Offers >

"Debbie Spaulder was WONDERFUL"
"Debbie Spaulder was wonderful and made the experience as painless and smooth as humanly possible."
Noah & Jaclyn Davis
Read Quote >
View All Quotes >

Compare three mortgages at one time. Download TripleCalc now. It's free.

Find Out More >
Download Now >

Debbie Spaulder is one of The Top Selling Real Estate Experts™
Find Out More >

First Time Homebuyers: Yardley, Newtown, Upper Makefield and Doylestown Pennsylvania home buying, real estate listings, and homes for sale in Bucks County, PA

Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? REALTORSŽ Are Your Professional Guides. Make Sure You Choose a Top Expert.

You might be a bit afraid or intimidated by the whole process of buying your first home. As a top Yardley, Newtown, Upper Makefield and Doylestown real estate expert, it's my job to guide you, from beginning to end.

I will take the time to go through each and every step of the buying process. There are no dumb questions!

Together, we will consider:

- How much can you really afford?

- How to qualify for a mortgage.

- How much cash you should put down.

- How to buy a home with little or nothing down.

- What it takes to get approved for financing. What banks and other financial institutions are looking for.

- How much your payments will be.

- The tax advantages of buying.

- Is renting or buying better for you?

Tell me a bit about your situation below. I'll get right back to you. There is absolutely no charge, and I offer this to you with no strings attached.

New to the home buying process? Tell me your concerns. Ask me questions. It's my job to help! There's no obligation, and I promise to get back to you quickly...

	About You
* Your Name:
* Your Email Address:
Your Street Address:
City:
State:
Country:
Zip/Postal Code:
Phone:
	About Your Move
When Are You Moving?
Where Are You Moving?
	About Your Home Search
Your Price Range?
Number Of Bedrooms?
Number Of Bathrooms?
Home Size In Square Feet?
	Additional Info
Please Enter More Details, Along With Any Comments, Concerns, Or Questions:
Send Latest Listings:
Send Latest News:

*Please note that fields marked with an asterisk are required.

Quick Response Guarantee >
I Guarantee Your Privacy >
Free & Without Obligation >

Making An Offer >Keeping Your Earnest Money Safe

When you make an offer on a house, it is accompanied by an earnest money check. Earnest money is intended to demonstrate that you are "in earnest" about purchasing the property. The earnest money check is made out to the listing company. What happens to this check?

The party holding the check acts as an escrow agent until you go into closing. At that time you will receive credit for the amount of your check against the down payment and closing costs. Real estate brokers are required by law to keep escrow funds in a special account. These funds cannot be used to pay any other expenses associated with the sale. If you don't complete the transaction, the purchase contract determines the disposition of your earnest money funds. Be sure to review this part of your contract with the real estate agent.

If you are in default on your agreement, the funds may go to the sellers, so be sure that you understand the deadlines in order to avoid breach of contract and forfeiture of your deposit. If you have any questions, be sure to ask your real estate agent for advice.

	See All Tips In The "Making An Offer" Category >
	See Complete Library Of Hundreds Of Tips In 30+ Categories >

Q	Which city in the U.S. has the longest formal name, but the shortest abbreviated name?
A	El Pueblo de Nuestra Senora la Reina de los Angeles de la Porciuncula is the full name for Los Angeles, known as "LA".
See More Real Estate Trivia >

See the nation's top rated reports for Schools in Yardley, Newtown and Upper Makefield >

HOMEssentials get your new home up and running.
Only Prudential Fox & Roach offers free HOMEssentials start-up services.
Find Out More >
View All Affiliates >

Debbie Spaulder, REALTORŽ, real estate agent and broker for Yardley, Newtown, Upper Makefield and Doylestown Pennsylvania home listings, property and land for sale - NUMBER1EXPERT(tm)

Debbie Spaulder
Prudential Fox and Roach, REALTORS
1010 Stony Hill Road Suite 150
Yardley, PA. 19067
Phone : 215-504-7500
Direct: 215-504-7573
Fax: 215-504-1794
Email: DSpaulder@PaDreamHomes.com
Expect More . You Deserve It! I am committed to exceeding your expectations each and every day. As a Bucks County homeowner for 20 plus years, I can provide whatever area and lifestyle information you require to help with your decision. As a top-selling corporate sales professional for more than 15 years, I can assist you with top-notch negotiating, pricing, and financing skills. This helps deliver a home-buying or home-selling experience with maximum results and no regrets. I will work hard to earn your business and I look forward to providing you personal attention and superior service.


Recipients of this award represent the top one percent of Internet Web Sites, and are truly the "best of the best"!

Prudential Fox and Roach Realtors is an Independently Owned and Operated Member of The Prudential Real Estate, Affiliates, Inc.

Copyright © 2003 Prudential Fox Roach, Inc. All information provided is deemed reliable but is not guaranteed and should be independently verified.

www.PADreamHomes.com is brought to you by Debbie Spaulder
NUMBER1EXPERT™ for Yardley real estate PA, Newtown real estate, Upper Makefield real estate and Doylestown real estate, Pennsylvania

Read My Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge