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THINKING ABOUT BUYING?

The home-buying journey can be a complex and overwhelming experience with plenty of paperwork to navigate, intense competition among buyers, and numerous other obstacles before obtaining the keys to your new home. However, with an experienced agent on your side, the process can be much smoother. I am here to offer education and guidance every step of the way, whether you are a first-time homebuyer or a seasoned pro.

BUYING IN 5 STEPS:

01

FINANCES

  • Gather your documents

  • Obtain pre-approval/ proof of funds

  • Locate down payment funds

  • Prepare for any additional costs

03

UNDER CONTRACT 

  • Offer accepted 

  • Negotiate the terms of the offer 

  • Deposit EMD

05

CLOSING​

  • Receive closing statement/clear to close

  • Wire funds to closing company

  • Conduct a final walk-through of property and get keys!

02

HOME SEARCH

  • Preview potential properties online

  • Schedule showings and view the properties you are most interested in

  • Write offers!

04

INSPECTIONS/APPRAISALS

  • Conduct inspections

  • Resolve/negotiate inspection issues

  • Your lender will order the appraisal

  • Obtain homeowners insurance

THE MORTGAGE PROCESS

The very first step of the home buying process is to get a pre-approval letter from a lender stating how much you are qualified for. It's important to ask your potential lenders some questions to make sure they are a good fit for you.

 

Don’t understand something your lender says? Stop and ask for clarification. This is your home buying journey, and you deserve to understand the process every step of the way.

 

A pre-approval is only valid for 30-90 days, so while you can start talking to lenders, you’ll want to wait on getting that pre-approval letter when you’re ready to buy.

Need a Lender? No worries. You don't need to get pre-approved before calling me. We  got you covered! Meet Vince. Him and I are the Town's one-stop shop for everything Real Estate.

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MAKE YOUR OFFER STAND OUT

  • Include a pre-approval letter that shows that you’re serious, qualified, and ready to purchase.

  • Use a friendly tone. Let sellers know you want their home—and that you’ll be easy to work with all the way to closing.

  • Put your best foot—and price—forward. You may only get one shot, so make it count. Use comps and trends as a guide, but go in with a strong number you know a seller would find favorable.

  • If you can pay “all cash,” say so. When you don't need financing, your offer is less risky for anxious sellers.

  • Propose to close quickly and only include contingencies if you must.

  • Include a short hand-written note if you really want to make an impression, with your offer. Sometimes it’s the smallest gestures that have the most significant impact.

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FAQ: LENDERS

  • What type of loan do you recommend for me? Why?

    • There’s no one type of mortgage loan that’s superior to another—but whichever you choose, you need to know why it’s best and how it works.

  • Will my down payment vary based on the loan I choose?

    • If you’re tight on cash or don’t, let your lender know. Loans vary in their down payment requirements.

  • What is the interest rate and the annual percentage rate (APR)?

    • Everyone talks about the interest rate, but the APR is just as important. It combines the interest rate with the fees a lender charges to originate your loan.

  • Can I lock-in an interest rate? If so, for how long?

    • If you think rates will be moving up, ask if you can lock it in for a set period of time.

  • What will my closing costs be? Are they a part of my loan, or will I pay them in cash at closing?

    • Remember, closing costs usually run 3-6% of your loan value so you need to know how they’ll be covered.

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