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. 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. Help work out a realistic plan for the new home that best suits your needs - size, price, style, features, location, etc.
- Help you determine just how much house you can afford by Introduce you to qualified professionals to assist with pre-qualification and financing. This important first step can improve your negotiating position and help you acheive your goals faster and with less stress.
- Familiarize you with the buying process, closing proceedures, inspections, disclosure forms, survey's and such.
- Guide you through the entire home buying process, from finding homes that meet your specific needs to closing celebration and beyond.
- Provide client level services by working for you as your agent (buyer representation) or act as liaison (dual agency).
- Negotiate the best price and terms so you don't pay too much for your new home.
- Supply information on request about the local market values, taxes, utility costs, municiple services, neighborhoods, the local economy, and more.
- Help you avoid costly mistakes.
Before You Start Looking For Your New Home:
- Check your credit rating. Straighten out any errors before its too late.
- Determine a comfortable monthly budget for your new purchase, including down payment and monthly payment. Saving the funds for a down payment should be part of the overall program of getting your finances in order prior to shopping for your new home. Remember the down payment is not only up-front expenses. Saving for closing costs need to be considered and included in the budget as well.
- Find a loan program that meets your needs and get pre-qualified (preferably pre-approved). A crutial step is having a clear idea of your financial situation.
- The lender is going to need to look at your financial records. Before you visit them collect your paycheck stubs, bank statements, tax records, dividens and investments, Alimony/Child support. Make copies of these documents as they will be needed to process your loan.
- Choose a REALTOR® that you trust and who understands your needs, someone who will listen to you and protect your interests.
- Determine what neighborhood best matches your needs.
- Identify important features you need your new home to have then add the wants.
- Lender fees include charges for loan processing, underwriting, preparation and establishing an escrow account.
- Third-party fees include charges for insurance, 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.
