The number of steps involved in a successful real estate transaction requires smooth communications between buyers, sellers, Realtors, mortgage companies and the title company.

At First Service Realty-GMAC Real Estate (FSR-GMAC) these professionals are not strangers to each other. Communications flow easily between departments with each focused on the needs of the client.

FSR-GMAC Realtors are educated professionals with world class resources available to provide cutting edge service. Premium Service Financial is a GMAC approved lender and works hand in hand with the buyer, the Realtor and Select Title Service.

Real estate transactions are intricate business transactions. An overview of the steps necessary to safely and effectively transfer the title to property is briefly outlined below.

	Sellers Pricing the Property Marketing Plan Negotiating the Transaction Contract to Closing** Buyers Qualify Wants and Needs Qualify Financing Options* Evaluate Available Inventory See Properties Negotiate the Offer Contract to Closing**
	Determine Total Investment Decide on Amount to Finance Evaluate Alternative Lender Packages Choose Lender Make Application Appraise Property Submit to Underwriting for Approval Send Package to Title Company Visit them at psfgmac.com!
	Analyzes Property Abstract or Title Prepares Documents for Financing Prepares Documents for Transfer of Title Provides Title Insurance Manages Funds Records Title Transfers Celebrates with a Glass of Champagne! Visit them at stsclosings.com!
	GMAC First Service and First Service Bancorp is proud to announce their new affiliation with All In One Mortgage Lenders.  With over 30 years of combined experience, All In One Mortgage Lenders can offer our customers the very best financing with knowledge, integrity and personal service.  All In One Mortgage Lenders through their FHA and conforming departments can offer first time home buyers the lowest down payments and cash to close in the mortgage industry.  Visit them at aiolenders.com!