Buying a home in today's world.

RULES OF HAPPY HOUSE HUNTING :)

When in doubt, ask me anytime!

Working with a local loan officer can provide easy communication and a smooth process.
Don’t call the agent listed on a sign; always call YOUR trusted agent (aka me, I hope!) for all showings and questions (this even includes FSBO homes.)
Don’t apply for or open up any new credit cards, store cards, or lines of credit and don't make any major purchases (e.g. new car or lots of furniture.)
Don’t move around large amounts of money or withdraw large amounts of cash.
Don’t miss a bill payment or existing mortgage payment.
Don’t change jobs, and especially do not change career fields, without discussing with your lender ahead of time.

01 — Meet Your Realtor

Truly - the best first step! Let’s sit down and chat over a coffee. Why? Because my role is to help guide you through the WHOLE process. This isn’t just opening doors and showing you homes. I’d love to hear about your situation and your goals, and more importantly, I’d love to help you become a super savvy home buyer so you’re armed with all the key info (no pun intended) to have a FANTASTIC home buying experience. Even if you’re months away from buying a home, it’s never too early for us to meet.

02 — Mortgage Preapproval

Don’t go at it alone. I’m your guide through the whole process. A benefit to working with me is I can refer you, if desired, to several excellent local mortgage lenders who many of my clients have had exceptional experiences with and have excellent reputations in our area. This will allow you to shop around and find a loan officer you’re comfortable with. There are do’s and don’ts in this step - so let’s make sure we have a chat about it before you get fill out any preapproval applications.

03 — View Homes

I am able to get you into ANY house in the area listed by ANY real estate company, and even for sale by owner homes. I will also help set up real-time automated search alerts so we the first to know of any new houses listed that meet your criteria. If you’re looking at homes online and you see the status, “Contract Pending,” or “Contingent", this means the house is under contract with a buyer already.

04 — Make the Home Yours

This is when things really get started! I will guide you through the entire purchase. We are in a competitive market where having an experienced and creative agent is important when it comes to writing an offer. We will put forth very smart terms that benefit you but also give you the strongest chance at winning the house you love. Once your offer is accepted, we will proceed with inspections, appraisals, surveys, and so much more - but we will cross that bridge when we get there.

90 SECOND QUICK TIPS:

FREQUENTLY ASKED QUESTIONS

Sounds like you’ve already begun! This type of research is a great way to become a smart home shopper. The highest priorities to focus on before you begin searching for specific areas, neighborhoods, or homes would be to familiarize yourself with your personal finances. Contact me so we can discuss the different loan types and I can introduce you to a fantastic, local mortgage lender to help you understand the numbers! Let’s sit down over coffee and talk about the entire home-buying process.
Once we meet and review your home buying needs, you should select a loan officer. One of the perks of working with me is I have a tried-and-true network of loan officers specializing in various types of loans. I can refer you to several trusted lending professionals to get you started, specifically lenders that specialize in your unique situation, and I'll personally serve as your liaison through it all!
Absolutely! I am able to get you into ANY house in the area listed by ANY real estate company, and even for sale by owner homes! With For Sale By Owner, we will aim to keep the transaction just as smooth as it would be if each side of the sale had a real estate agent. There could be some nuances, but we'll cross those bridges together if the time comes!
If you're searching for homes on this website, you're off to an excellent start to see the most up-to-date statuses of homes. If you see "contract pending" in a description, this means that the home is Under Contract. Both parties (the buyer and the seller) have accepted final terms but they simply have not yet "Closed" on the property. There are likely some contingencies that need to be removed prior to closing. Can we schedule a showing? Not usually. Can the deal fall through? Yes, this is possible, so let's keep an eye on it.
It is in your best interest to work exclusively with one. I have access to every home in the Multiple Listing Service (MLS.) Your commitment to me is appreciated, and in return, you will receive my full dedication and expertise focused on your success. Plus, do you really want to tell your home search priorities to agent, after agent, after agent? Partner with me and you'll begin to think I know what you're looking for better than you do! This is buying a home in today's world. Having an agent that truly cares!