Buying a Home Can Be Stressful
That’s why I’m here to help. Let’s be real here, by the time you see this, chances are you are already searching on Zillow or Realtor.com. I’m not going to try and change that. If you find a place you like from one of those sites, you can text me an address, share the address via the app, etc. and I can get even more information for you. On top of that, I can also create a custom search for you through my MLS where you can define any search parameters you wish and have that sent to you as often as you like.
Please note: I never put anyone on an automatic email service like so many others. You aren’t going to get “5 tips for a better garden” emailed to you randomly just so that my mug appears in your inbox. Simply let me know what you want below, I’ll set the rest up!
I Can Help You Find The Perfect Home
It is my goal to make sure I find the perfect property for you that checks all the boxes on your wish list. I know the local market and love what I do!
Chances are you have already been searching on Zillow or Realtor.com. Feel free to keep searching and just send me addresses or links to any properties you are interested in. However, if you would like me to do a customized search for you, fill out the form to the right. I will do a customized search for you directly through the MLS and send you listings based on your needs and wants.
Enter Your Information For A Customized Search
House hunting can be stressful if you don’t know what you can afford and you’re not familiar with the steps of the home buying process. But it doesn’t need to be. As long as you take the time to gather the right documentation, find a real estate agent you trust, and determine your financial and personal goals, buying a house will feel like a breeze.
Home Buyer Checklist
1. Determine How Much Home You Can Afford
2. Save For A Down Payment
3. Find A Real Estate Agent You Can Trust
4. Get A Mortgage Preapproval And Choose A Lender
5. Find The Perfect Home For You
6. Make A Smart Purchase Offer
7. If Required, Hire a Real Estate Attorney
8. Schedule a Home Inspection
9. Prepare For Closing
10. Close On Your New Home
Am I ready to own a home?
You are probably ready to buy a home if you have a good credit score, money saved up for a down payment and closing costs, and make a stable income. However, answering this question requires more than just a knowledge of mortgages, down payments and credit scores. Home repairs and maintenance become your responsibility as a homeowner. Are you ready to get that leaky roof fixed, unclog that kitchen sink or replace that broken dishwasher?
Is my credit good enough to buy a home?
This question is especially important if you need a mortgage. You can qualify for a home loan backed by the Federal Housing Administration (FHA) with a 10% down payment and a minimum 500 credit score. However, the approval process may be difficult and you’ll pay a much higher interest rate than you would with a higher credit score. A higher credit score often leads to a smoother loan approval, and a much lower interest rate and monthly payment. Conventional lenders typically require a minimum 620 score, but they’ll likely reward you with a lower rate if your score is 740 or higher.
How much money do I need to buy a home?
You’ll need enough money to cover your down payment and closing costs, depending on the loan program you qualify for. Your down payment is an upfront lump sum you pay to a lender to buy a home. Standard loan program minimum down payments range from 0% to 3.5%.
Closing costs typically run between 2% and 6% of your loan amount. They often include one-time lender and title fees related to getting approved for a mortgage, and the ongoing costs of your home such as property taxes, homeowners insurance and homeowners association (HOA) fees.
What is the first step in buying a home?
The absolute first step is to get approved for a mortgage. Without being approved for a mortgage it will be quite difficult, if not impossible, to purchase a new home.
Should I sell my current property before buying a new one?
This is a tricky question, and the answer primarily depends on one’s funds and ability to find temporary housing. If you need more equity to purchase a new home or meet a mortgage plan, then it is best to sell your current home before purchasing your next one.
Should I do a home inspection?
Yes. A home inspection is one of the most vital steps when purchasing a property. A professional inspector has a keen eye for how well the house has been taken care of. The inspectors can comment on structural and cosmetic issues, along with any local code issues. Moreover, a home inspector will help you better determine the home’s value.
Should I do a final walk-through?
A final walk-through is not required but highly recommended. Final walk-throughs give buyers a chance to make sure nothing has changed since their initial inspection or previous visits. Also, if repairs were requested as part of the sale offer then a follow-up visit ensures all repairs are done according to the agreement and contract.
How does earnest money work?
Earnest money is similar to a deposit when renting a place. It is made in good faith to demonstrate to the seller that the buyer’s offer is legitimate. The amount is usually 1-2% of the selling price and essentially takes the property off the market. The money also gives the buyer extra time to conduct a title search, get an inspection and property appraisal, and financing.