For Home Buyers
If you have $2,000-$4,000 to work with, I can usually get you in to a home that you would be proud to call your own. Ideally, you should have additional savings for a Rainy Day Fund. You need to have good credit and a stable job. I will be a good steward of your money and place you in a home with a payment YOU are comfortable with. In many cases, I can get some, if not all, of your initial investment back at the settlement table. But, you do need the money ($2,000-$4,000) to get started.
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.
- 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.
- Answer 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:
- 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.
- Find a loan program that meets your needs and get pre-qualified (preferably pre-approved).
- Choose a REALTOR® that you trust and who understands your needs.
- Determine what neighborhood best matches your needs.
- Identify important features you need your new home to have.
Closing Costs to Expect:
- Lender fees include charges for credit report, flood certification, appraisal fee, underwriting, PMI (private mortgage insurance) and voluntary point(s) to lower your interest rate.
- Legal fees include title search & title insurance, doc prep, administrative and attorney fees.
- Government fees include state & county transfer taxes, and county recording fees for the deed and mortgage.
- Escrow and interest fees include homeowner's insurance, daily loan interest, and real estate taxes.
- Inspections for the home, pest, radon, septic, well water.