Whether you've spent years saving and preparing to buy a home, or are unsure if you can afford it, the questions surrounding a house purchase can feel endless.
As one of the industry leaders in experience and service, it is my job to help you find the answers - and peace of mind!
- Be Pre-approved for a mortgage.
Contacting a trusted mortgage advisor is the best first step in buying a new home. With a pre-approval in hand you can focus your search on properties that best meet your financial goals. I'll refer you to to only the best, most professional lenders to get the best rate possible and service to match.
- Make a List
The next step is to create a realistic idea of the property you'd like to buy. What features are most important to you? Make two lists: one of the items you can't live without and one of the features you would enjoy. Refine the lists as you house hunt. It is also helpful to search online to see what is currently available on the market. I can then show you houses that meet your expectations.
Now you're ready to visit houses. I will arrange showings, and help you keep track of the properties you've seen.
Know the features that help or hurt resale.Rate the houses you tour.
In some areas, a swimming pool actually detracts from a home's value and makes it harder to sell. In neighborhoods with two-car, attached garages, a single-car or detached garage may impact the home sale and future value. I will point out features that hurt, and those that help, resale value.
After touring each home, write down what you liked and didn't like. Develop a rating system that will help narrow the field down. For example, pick the house you like best on day one and compare all other houses to it. When you find a better one, use the new favorite as the standard.
Make an offer.
Once you've pinpointed your dream house, it's time to get serious about the financial and contractual side of the purchase. My experience and strength in negotiation will provide you a strong advantage since you and the seller may have different goals.
Arrange for a home inspection.
After your offer is accepted, set up a home inspection. It's common to find problems, including leaky roofs, cracked walls, insect infestations and foundation problems. I can help find a reputable inspector, and will negotiate to get you the most for your money once the inspector's report is final. We will schedule a "walk through" before closing to insure that all agreed upon repairs have been completed. We will also discuss home protection plans, which may save you money in the near future.
Before your closing date, make sure you've made all necessary deposits and completed the paperwork - including mortgage, title, homeowners insurance and any other paperwork required by local or state governments.
Prepare for life in your new home.
Before rolling out the welcome mat, consider some moving basics: arranging for an alarm company, turning on electricity, water and gas, cleaning or replacing the carpet, and notifying your local post office of your new address. Sometimes, the best time for renovations is before you move in.