BUYING TIPS

I'm committed to making the process of buying as easy as possible, every step of the way.

BUY A HOME

Whatever your reasons for buying, finding the right home in the perfect neighborhood, and at a cost that is within your budget, is no small task. That's why buyers choose to work with a full-service, licensed real estate professional, like myself, to guide them through the process. I have detailed information about properties for sale by every company, and can make appointments to see any home that you're interested in. If you are just starting out in the home purchasing process I can help you in many ways.

WORKING WITH A LENDER

For starters, working with a great mortgage lender is key. There are many lenders and programs available and if you need a recommendation, please do not hesitate to ask.

HOUSE SEARCH & AVAILABILITY

After your lender has you approved for a loan program we can start our house hunt. We will discuss current market conditions, inventory levels, pricing and expectations to make sure your needs are met and that you understand the process fully. Certain loan types can also determine the types of homes available for us to view. A few terms you will hear during the process are:

  • Loan Type: There are many loan types, such as Conventional, FHA, VA, or USDA. These programs have different guidelines and requirements and your lender will get you setup on a program that best fits your situation and preferences.
  • Down Payment: Specific to your loan program, this is the amount of money needed due at closing. This can be 5% of purchase price, 3%, or even some programs do not require any money down.
  • Closing Costs: Money associated with closing your loan. This includes loan fees, title and escrow fees, appraisal fees and other money necessary for your lender to close your loan.
  • Earnest Money: Money that a buyer brings once an offer is accepted to provide good faith and intention to purchase the home. Typically this amount is 1-2% of the purchase price of the home.
  • Appraisal: Appointment ordered by the lender to ensure the property value is the same or above the contract price
  • Home Inspection Period: An allotted time specific to your real estate contract that a broker prepares in which a buyer can perform any "due diligence", research and inspections on the home they plan to purchase.
  • Contingencies: Included in your offer on a home are contingencies to protect your earnest money. Your Real Estate Agent will review these with you and some of these include" Home Inspection, Financing, Title, Utilities. These contingencies provide the buyer protection during a transaction and have specific time frames and requirements.

 

Let's Work Together

Get started today! Reach out and let's chat about your goals.

MY GOALS

✔︎ Help you find the home that best meets your needs in the most efficient timeframe

 

✔︎ Provide current market data to assist you in making informed decisions

 

✔︎ Help you understand all the terms, processes, and documents involved in a real estate transaction

 

✔︎ Represent your needs through skilled negotiations and effective communication

 

✔︎ Provide you with a peace-of-mind that all details are being handled in a professional and efficient manner