How can I help you buy a home?
I can make the process of buying a new property easier, more enjoyable, less time-consuming, and less expensive than it would be if you performed it alone. I will help you prepare so that sellers perceive you as a preferred buyer, help you locate and assess properties for sale that match your specifications, and help you through the myriad details attending the actual purchase.
The Benefits of Home Ownership
Pre-qualifying for a loan makes you an appealing buyer in the eyes of the seller. It states that you have conversed with a lender and verbally appear to be able to purchase a home up to a certain amount.
Choosing between a smaller house in an affluent neighborhood, an older, bigger house in a working-class community, or a brand-new home is not always easy. If you're in this situation, start by examining your priorities and making some comparisons.
We will thoroughly discuss your needs and wants before we focus your housing search. Here are some things you can do to prepare for our conversation:
If you find yourself stumbling over weird acronyms in Real Estate listings, don't worry. There is a method to the madness of this shorthand (which is sellers use to save money in advertising charges). Here are some definitions that may help:
Once we've determined what kind of home you are looking for, in what sort of neighborhood, and in what price range, we can start viewing open homes. Most people consider this the most exciting part of the home buying process. Because we will have already carefully considered your needs and wants, and pre-qualified you for a loan, your open home viewing will not only be fun, but efficient, as well. You won't be wasting time looking at undesirable or unrealistic properties.
A home inspection is an objective visual examination of the physical structure and systems of a home, from the roof to the foundation. Having a home inspected is like giving it a physical check-up. If problems or symptoms are found, the inspector may recommend further evaluation.
Types of Loans
Loans can have a fixed interest rate or a variable interest rate. Fixed rate loans have the same principal and interest payments during the loan term. Variable rate loans can have any one of a number of "indexes" and "margins" which determine how and when the rate and payment amount change. If you apply for a variable rate loan, also known as an adjustable rate mortgage ("ARM"), a disclosure and booklet required by the Truth in Lending Act will further describe the ARM.
The Contingency Period is the time allowed by your Purchase Agreement to obtain financing, perform inspections, and satisfy any other contingencies to which your purchase is subject. Typical contingencies include:
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