Buying a home is the most expensive purchase you will undertake. You are faced with a multitude of decisions! Is it the right time to buy? Can I afford it? What is really important to me? Locating the perfect home is not always an easy task, and obtaining a mortgage loan can be a complex and tiring process.
My job is to make the entire process easier. From finding the right lender, preparing so that sellers perceive you as a preferred buyer, helping you locate and assess properties for sale that match your specifications, to assisting you through the myriad of details attending the actual purchase, I will be there every step of the way. And, with me, there is no such thing as a silly question!
I am always familiar with the current homes on the market as well as neighborhood values, so I can help you determine which properties are fairly-priced and in good condition before you start your search.
First ask yourself why you want to buy a home: to stop paying rent? To start building equity? To have a place of your own? To raise a family? To entertain business associates? To move up to a bigger house? Next, list what kind of home you'd like and where you would like to be. Be specific. Separate the "must haves" from the "want to haves."
Think of yourself as zeroing in on a target, going from the general to the specific. Consider area (city, suburban neighborhood); community (north, south, east, or west side); neighborhood (older and settled or sparkling new; a particular school zone; recreational facilities; and other community services such as transportation, day care, library, stores, entertainment). Ask yourself how many minutes you are willing to commute to work.
Think about home styles. How much space do you need? Does your situation require a one-level home, or are stairs acceptable? Consider size and kind of property. Do you want a newer home, or maybe an older one to fix up? Are you willing to put in sweat equity, or do you plan to hire a contractor? Someday you or your heirs will want to sell. Consider how long you expect to live in this particular home.
Once you have addressed the above needs, your next step in the purchasing process is to get pre-qualified with a mortgage company. This can be done over the phone or even online in a matter of minutes.
Call me and I will refer you to a mortgage professional with has an excellent reputation and track record for successfully acquiring loan approval for his/her clients.
Once you've been pre-qualified and know what price range you want to stay in, I can help you determine which properties fit your needs by using the (MLS) Multiple Listing Service system to locate them.
I have the best possible resources and communication systems available today to help you locate the homes on the market that match your specifications. You can even search my listings here at my website.
I will help you complete your financing and inspections, and close on the transaction. My top priority is to make sure that your home buying experience is pleasant, cost-efficient, and successful.