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Cyndie Scott, REALTOR®, real estate agent and broker for Piqua, Troy and Tipp City Ohio home listings, property and land for sale - NUMBER1EXPERT(tm)
All agents are NOT alike! Find out why I am a top real estate expert. Call me at 937-371-1719.

Searching for homes just got easier. Personalize your home search and receive listing alerts of homes meeting your criteria. It’s as easy as 123! Get the newest listings, property information, home addresses, directions, photos, and more!


"She went way beyond the call to help"
My home had been on the market almost a full year. I did a search for preferred realtors in Troy and found Cyndie.
Tom Shirley
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Mortgage Prequalification: Piqua, Troy and Tipp City Ohio home buying, real estate listings, and homes for sale in Miami County, OH
Welcome > For Buyers > Mortgage Prequalification ...


Don't Go Shopping for a New Home Before You Know Exactly How Much You Can Spend! 

You might have an idea of the loan payment and mortgage you can afford. But will the bank feel otherwise? It's always best to pre-qualify for a mortgage so you know exactly how much a financial institution would be willing to lend you. 

In the pre-qualification process, you will find out: 

- Exactly how much home or land you can afford. 

- How much cash you will need for the down payment. 

- The minimum down payment, and advantages of higher down payments. 

- What the bank feels you can afford for a monthly payment. 

I help buyers pre-qualify for mortgages every day. Simply fill out the form below to get started. 

Remember: I will respect your privacy! I know this is your personal information, and I will not distribute it to anyone, other than to my preferred mortgage broker. This service is also provided free of charge, without any obligation on your part. It is part of my job as a top Piqua, Troy and Tipp City REALTOR® to offer services such as these. 

Once you fill out the form, I will quickly process your information and get right back to you! 

I can help you pre-qualify for your mortgage. It's my job! This is free and without obligation... 

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Real Estate Tips
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 >
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Real Estate Trivia
Q 
In which 'Oil Sheikdom' of the Far East do the wealthy still choose to live in primitive houses on stilts?

A 
Brunei's oil wealth results in no income tax, free education and health services, and cheap housing loans for its average citizen.
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Cyndie Scott, REALTOR®, real estate agent and broker for Piqua, Troy and Tipp City Ohio home listings, property and land for sale - NUMBER1EXPERT(tm)

Cyndie Scott, Broker/Owner
Cyndie Scott & Associates

Phone: 937-371-1719
Fax: 937-535-0687
Email: cyndie@cyndiescott.com

I want to be your realtor for life. I will give you outstanding service and excellent care in every real estate transaction.

Equal Housing MLS REALTOR


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