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	Home About Us Meet Our Agents Michael Hawkins Richard Hawkins, Jr. Richard Hawkins, Sr. The Century 21 System Featured Properties Featured Properties Info Request Form Contact Us Buy A Home 5 Reasons to buy a Home Renters Chart Am I Ready to Buy a Home? The Importance of an Agent Purchase vs. Option to Buy Importance of Credit First Time Homebuyer Choosing a Lender What Can I afford Importance of Pre-Approval Special Home Buyer Programs & Grants Earnest Money Deposit Down Payment/Closing Cost Home Inspection Termite Inspection Appraisal Investors Corner HUD Homes Bank Owned Properties NEW Homes New Home Incentives Starter Home vs. Dream Home Property Wish List Communities Make the Offer Negotiation Tips Contingencies Tax Matters Closing Costs Inspection & Insurance Settlement Buyers Form Pre-Approval Form Sell A Home Am I Ready to Sell My Home? Costs Associated with the Sale Foreclosure Market Analysis Deciding to Use a Broker Top 10 Reasons to Use An Agent Selling Your Property For Sale By Owner How to Time the Sale Buying Your Next Home Curb Appeal Clutter Free The Model Home Home Protection Plan Disclosure Safety Tips Setting the Sale Price Figuring Your Net Proceeds Getting Top Dollar For Your Property Settlement Sellers Form What is My Home Worth? Financing Choosing a Lender Importance of Pre-Approval Questions to Ask your Lender Documents to Take to Lender Lender / Mortgage Programs Out of Pocket Expenses Earnest Money Deposit Down Payment Home Inspection Termite Inspection Appraisal Importance of Credit Check Your Credit Report Improve Your Credit 3 Major Credit Bureaus Credit Repair One on one credit counseling Credit Restoration Budgeting Links Glossary A-E Glossary F-Z Site Map Error Page