The process of searching for a home, from negotiating the contract, financing, closing and moving, can be complex, confusing and overwhelming. My goal is to help simplify and ease the process.
During your initial consultation, I will help you determine your price range as well as the style, size, features and location of the home that best suits your needs. I will be able to answer any questions you may have.
I will compile a list of the homes meeting your criteria and arrange a time to show you the ones you wish to see.
When you are comfortable and ready to make a purchase offer, I will present your offer to the seller through their agent and help negotiate the final contract.
After I have walked you through the closing process, you will receive the keys to your new home!
Prequalifying for a loan makes you a more attractive buyer and helps determine how much you can afford.
Get prepared financially. Review your credit reports, correct any errors, and gather recent bank statements, tax returns, pay stubs, and other financial documents.
Typically, payment, insurance and taxes don’t exceed 30% of your gross monthly income. You total monthly debt cannot exceed 40%
Down payments will range from 0% to 20% depending on buyer’s qualifications and type of financing desired.
Most mortgages are either 15 or 30 years.
Interest rates can be fixed or adjusted. Adjustable rates are less for the first few years, but may increase during the life of the loan.