For Buyers
Buying a home is an exciting time in one's life. Making the smart move of choosing a REALTOR® is your first step to ensuring that your new home and community meets your needs. My services and experience range from financial aid to helping you find the home that best suits you and your family. For your convenience, I also provide listings by email as well as create your own website to manage them. I pride myself on repeat business and hope you'll come to understand why.
How I Can Help
Before you start looking
Closing Costs
- Assure that you see all the properties in the area that meet your criteria.
- Guide you through the entire home buying process, from finding homes to look at, to getting the best financing.
- Make sure you don't pay too much for your new home and help you avoid costly mistakes. Point out the construction qualities and faults while looking at properties so you can see the value when it's present. Not all homes are built the same. I like to help you understand what makes each different.
- Provided answers to all of your questions about the local market area, including schools, neighborhoods, the local economy, and more.
Before You Start Looking For Your New Home:
- Speak with a lender such as ERA Mortgage or your local bank to check your credit rating. Straighten out any errors on your report should there be any.
- Determine a comfortable monthly budget for your new purchase, including down payment and monthly payment. It is best to stay below the maximum amount the lender allows you. You want to keep funds available to maintain and update your investment.
- Find a loan program that meets your needs and get pre-approved.
- Determine what neighborhood/area best matches your needs.
- Identify important features you need your new home to have.
- Lender fees include charges for loan processing, underwriting, preparation and establishing an escrow account.
- Third-party fees include charges for hazard & title insurance, attorney fees, title search, and other inspections such as termites.
- Government fees include deed recording and state & local mortgage taxes.
- Escrow and interest fees include homeowner's insurance, loan interest, real estate taxes, and occasionally private mortgage insurance which is now tax deductible in some cases.
