Buy With Us

Maine's #1 Real Estate Agency

  • We are the fastest growing real estate company in Maine.
  • We have the largest number of agents of any real estate company in Maine.
  • We have the most offices of any real estate company in Maine.

One Stop Shopping

The Maine Real Estate Network is a 'one-stop' shop for buyers and sellers. When it comes to real estate, we've done it or we're doing it. Ask us a question below or give us a call at - 207-774-4224 to inquire about our services. In addition to helping you buy or sell your home, we offer financing, title services, home repair and improvement, and more.

The Maine Real Estate Network has a great partner in Cumberland County Mortgage. Whether you're looking for a fixed rate mortgage, VA loan, or conventional loan, Cumberland County Mortgage provides clients and their Realtors across Maine with the lowest rates and highest level of service possible.

Apply for a loan today- it's fast, easy, and free!

We Offer:

  • Financing made easy with in-house loan officers, in-house processing and a variety of options to best serve your needs.
  • Title research made easy with an in-house team to help facilitate a smooth closing.

Home Repair and improvement Services Division

  • Repairs made at a reasonable price, with quick turnaround.
  • Quality work and great service.

Steps to Buying a Home

The Benefits of Buyer Representation

  • Represent you exclusively in the purchase of your new home.

  • Listen carefully and answer your questions about real estate processes, contracts and documents.

  • Assist you in making well-educated and informed decisions throughout the home buying process.

  • Help you determine the neighborhood and types of homes that best fit your needs.

  • Provide you with access to TMREN 'Coming Soon' listings before they hit the market.

  • Arrange tours and provide detailed information about the homes you are interested in.

  • Prepare your offers and negotiate solely on your behalf.

  • Recommend professional inspectors and accompany you to the inspections.

  • Recommend a reputable lender who will assist you with financing requirements.

  • Work with the title company to ensure all documents needed to close the sale are correct and completed in a timely manner.

  • Utilize my knowledge, skills, experience, and professionalism to help you achieve your goals.

About Financing

  • Make sure you qualify for financing before you start looking for a home.

  • Get Pre-Approved.

    • It allows you to determine how much your monthly payment will be.

    • It helps us to determine what price range of homes to shop.

    • It gives you an estimate of how much money you will need to bring to closing.

    • It allows you to select the best loan package without being under pressure.

  • Sellers look much more favorably on offers from buyers they know are financially qualified to buy their home.

  • It may help your offer beat the competition in a multiple offer situation.

  • Choose a lender who works locally, who will take a personal interest in your business, who wants to earn your repeat business and referrals, who will make sure your loan goes smoothly.

  • Choose a lender very carefully because you are relying on him/her to close your loan on time.

Pre-Qualified vs. Pre-Approved

If you are Pre-Qualified:

  • The lender tells you in a verbal exchange approximately how much money you will be able to borrow based upon information you provide on your debt and income.

If you are Pre-Approved:

  • The lender requires you to furnish documents to pre-approve your loan.

  • This is an actual commitment to lend you money provided when you are ready to buy you still meet all the qualifying conditions at the time of approval.

  • You are a stronger, more attractive buyer to the seller if you are Pre-Approved.

We'll Find the Home That's Right for You

We are proficient in locating the ideal home from any of these categories:


We have access to show you any of the homes listed by any brokerage firm in Maine.

We focus your search based on the key factors you help us identify: location, schools, features or any other special criteria important to you.

The Goal: To use my market knowledge to save you time and money.


We are experienced in dealing with local builders and know where they are most negotiable. I will provide a market analysis to show you how much comparable homes sold for in the area so you don't overpay.

The Goal: To use my negotiating skills to get the best possible price and terms.

We are experienced in dealing with sellers who may be upside down and cannot afford to sell at market value or think so highly of their home they decide to price it above the market. If you drive by a For Sale by Owner, please call my team so we can work with the owner to schedule a private showing.

The Goal: To represent you and ensure you don't overpay and have the full resources of The Maine Real Estate Network behind you.


Navigating the sea of distressed properties and attendant government agencies and banks is not for beginners. The process is very different, and requires an experienced agent on your side.

The Goal: To make sure this is a good fit for you.

Making an Offer

STEP 1: I will provide you with a Comparative Market Analysis (CMA).

We have found the right home for you, now it's time to make an offer.

  • This helps us determine if the home is priced reasonably.

  • In a buyer's market, price discounts are easier to come by as there are fewer buyers, more properties available for sale, and prices are soft or falling.

  • In a seller's market, homes sell quickly and sometimes at full price or higher because many buyers are chasing fewer homes for sale.

  • Remember: A well-priced, move-in-ready home that features amenities buyers want will always attract offers compared to a home that is over-priced, outdated or in need of repair.

STEP 2: Determine the price you are willing to offer.

  • Sellers are under no obligation to negotiate an offer they think doesn't represent the fair market value of their home, so 'low-balling' can be risky.

  • Sellers may have an unrealistic opinion about the value of their home, thus your offer may represent a reality check. Including the CMA as a supporting document will help explain the rationale for your offer.

STEP 3: I will draft a Purchase and Sale Agreement including the following key details:

  • Offer Price

  • Terms of the Offer

  • Estimated Closing Date

  • Earnest Money Deposit (1-3 percent of the offer price)

  • Notice of Right to Inspect Property and Terminate Contract if Home Inspection not Satisfactory

  • Subject to Approval by your Lender

We can consider attaching the following supporting information:

  • The Comparative Market Analysis to show why your offer is a fair price.

  • Your lender's Pre-Approval Letter to show you are qualified to complete the contract.

  • A Cover Letter that details your strengths as a buyer.

STEP 4: When your offer has been accepted:

  • Earnest money will be delivered to the escrow agent.

  • The Home Inspections will take place.

If the home inspection is not satisfactory, you may renegotiate the terms of your offer, seek a price reduction to cover the cost of needed repairs, or terminate the contract.

If the home passes inspection, the property goes 'Under Contract' and your offer becomes a binding contract and you proceed to closing.

Getting the Inspections Completed

Your offer has been accepted, now it's time to get to the appropriate inspections.

The Goal: To Provide a Clear Understanding of the Physical Condition of the Home

There are several inspections to consider:

1. Home Inspection to evaluate:

  • The exterior: foundation, chimney, walls, windows, doors, porch, deck.

  • The interior: basement, attic, and garage spaces as well as electrical, plumbing, and heating systems.

2. Environmental Inspection to evaluate the possibility of radon gas.

3. Septic Inspection to evaluate on-site septic systems if there is no town septic.

4. Well Water Inspection to evaluate water systems if there is no town water.

5. Pest Control Inspection to evaluate potential insect and rodent problems.


  • Ask the inspector for his/her credentials, certifications and memberships in professional organizations to make sure he is an expert.

  • It is important for you to attend the inspection so the inspector can show you the conditions that will be included in the written inspection report.

  • No home is perfect...the inspector will likely find some questionable conditions, but we will be looking for major mechanical, safety or structural defects to the property.

  • If there are significant items to address, we will negotiate an amendment to the contract for repairs or a monetary allowance in lieu of repairs.

What to Expect at Closing

The Goal: To complete the payment and documentation that closes the transaction so you own your new home!

The closing will be managed by the title company, lender or real estate attorney and can take place in one of the following offices:

  • The Title Company

  • The Lender

  • A Real Estate Attorney

The process includes:

  • Signing all required paperwork

  • Paying the seller

  • Paying the costs and commissions associated with the sale

  • Filing the sale with the county tax office

  • Recording the sale at the country tax office

  • Receiving the keys to your new home

What are your Home Buying Goals?

The Goal: Chose a home that will best serve your needs over time.

  • Are you looking to own your very first home?

  • Are you looking to move to a bigger home to accommodate a growing family?

  • Are you looking to move to a new neighborhood or to be near different schools?

  • Are you relocating due to a job transfer?

  • Are you seeking a different style of living?

Home Ownership offers Opportunities:

  • Build equity for you and your family.

  • Increase the value of your investment with every payment you make.

  • Take advantage of the tax benefits resulting from the deductibility of mortgage interest and property taxes.

How Much House Can You Afford?

To make sure you'll get the best financing possible, here are a few things you can do:

Check your credit report:

  • Go to to receive your credit report from each of the three credit reporting companies: Equifax, Experian and TransUnion. (You're entitled to one free report each year from each company.)

  • Check to make sure the report is correct before your lender looks at this.

  • Correct any mistakes.

If there are blemishes in your report, prepare an explanation for your lender.

Be prepared with how much you can make for a down payment:

  • Most lenders will give better terms to borrowers making a down payment of 20 percent of more.

  • If that is not possible, your lender may require you purchase Private Mortgage Insurance (PMI).

Find out how much you qualify to borrow:

To determine the total amount of the loan you will be qualified to borrow, your lender will:

  • Check your credit history.

  • Evaluate your income and expenses.

  • Review your outstanding obligations (auto payments, credit card debt, monthly child support).

Determine how big a monthly payment you can afford

  • Ask how much you can make for a down payment.

  • Decide the likely term of the loan (usually 15 or 30 years).

  • Assess the interest rate you likely will be charged.

Deciding Which Home to Buy


  • Is it important to be close to jobs, schools, shopping, transportation?

  • Do you desire a certain setting...a select neighborhood or town, near the ocean or lake, or in the country

  • Do you need more land around you?


  • How many bedrooms and baths will best serve your family?

  • Do you work at home and need a home office or quiet space set aside to work?

  • Do you like to entertain and need room for guests?

  • Are you hoping for a front porch or a backyard deck?

  • Is a garage important?


  • Monthly payments need to fit comfortably in your household budget, compare the rent you are paying now with the monthly payment you will be making.

  • A mortgage delivers good tax deductions! You can deduct the interest you pay on the mortgage loan from your income taxes as well as take a tax deduction on the property tax you pay.

  • A good rule of thumb is the monthly house payment (including loan principal, interest, and property taxes) should be no more than 28 percent of your gross monthly income.

  • Don't forget to consider the monthly costs to operate and maintain your home: heat, electricity, internet service, water, sewer, etc.

Frequently Asked Questions

What if I need to sell my home before I buy a new one?

To put yourself in the best negotiating position before you find the new home you want, have your real estate professional put your current home on the market. If you find a new home and write an offer, it will be 'contingent' on the sale of your current home. A buyer in this position will not have the same negotiating power as one whose home has already sold or that has a pending offer. The seller may be hesitant to accept your offer because there are too many things that must happen before the sale can close.

How does my offer get presented to the seller?

Your real estate professional will contact the listing agent for the home you are looking to buy and will make arrangements to present your offer to the seller in the form of a Purchase and Sale Agreement. Your real estate professional will explain the details of your offer and negotiate on your behalf.

What happens if I offer less than the asking price?

If you offer less money than the asking price, the seller has three options: they can accept the lower offer, counter your offer, or reject your offer. Remember that there can be other buyers who are also interested in the home you've chosen. If any of them happen to write an offer at the same time you do, the seller will have two offers to compare.

There are usually many factors to consider in an offer, but the seller will usually want to accept the best and most complete offer. In active real estate markets, homes often sell for their listed price. In hot markets there may be many buyers vying for the same house, which can often drive the final sale price above the original listing price.

Your real estate professional can help you plan your strategy based on the current real estate market in your area.

Does it cost me money to make an offer?

Yes. When you write the offer on the home you have chosen, you will be expected to include an earnest money deposit, typically 1 to 3 percent of the offer price. This deposit is a sign of your good faith and is an indication that you are seriously interested in buying the home.

Where does my earnest money go?

Once the buyer and seller have a mutually accepted offer, the earnest money is deposited into an escrow account as a credit to the buyer and will be applied to the final purchase.

Can I lose my earnest money?

Real estate contracts are complicated legal transactions, which is another reason why it's important to work with an experienced and knowledgeable real estate professional. Buyers rarely lose their earnest money. In most cases where the transaction falls apart, it's usually due to circumstances that are beyond the buyer's control. If, however, the buyer decides to terminate the contract to buy the home without a valid legal reason for doing so, then the seller has the right to retain the earnest money.