Choosing your real estate agent is the most
important decision you will make. I want you to feel comfortable
working with me to find a great home. These simple tips will
help you find and purchase the home of your dreams more quickly.
Finding the best available home at the best possible
In his children’s book The Big Orange Splot, Daniel Pinkwater
said “My house is me and I am it. My house is where I like to
be and it looks like all my dreams.”
Everyone is different. Before we start looking for your new
home I would love to hear about your dreams. Do you love to garden?
Does a view of trees bring you a feeling a peacefulness. Do you
enjoy walking to the neighborhood café or store? Do you have
a horse and want to live next to Bridle Trails Park?
Be prepared to view homes quickly. The best
homes may sell quickly, so be ready to make time to see &
consider homes as soon as they come on the market. Once we are
working together I will email or call you as soon as a suitable
home is listed. If you prefer, I will help you set up a search
(for homes that match your criterion) on my website & my system
will email you as these homes come on the market.
Have instant access to me as your agent. Instant
communication can mean the difference in purchasing the property
of your choice or finding out it is already sold. When a desirable
home comes on the market I will drop everything to show that home
to you as soon as possible. And I will be available to immediately
answer any questions during the entire process of finding and
finally buying your dream home.
Being a smart consumer
How you shop for a mortgage can save you money. Take time to understand
the choices and make educated decisions. Before we go out to look
at homes it is important to be pre-approved for a loan.
If I can answer any questions along the way, please ask. I’m always
happy to help. I can refer you to local mortgage lenders that past
clients have been happy with and I will give you the name of the person
I went to for my own mortgage. I’ll be happy to go with you when
you meet with a mortgage broker and I will encourage you to ask questions
so that you are getting the best loan possible for yourself.
I ask my clients to be pre-approved before we start looking at homes.
If you want to compare rates with more than one lender later that
is fine. (We can talk about the best way to do this—so that your
comparison shopping is really comparing apples to apples).
The steps to successful financing:
Get pre-approved. Don't skip this doing this. Getting
pre-approved in writing is easy, free and quick (a matter of days).
It includes a completed credit application and you receive a letter
guaranteeing you a mortgage to a specified amount. You won't
waste time looking at homes you can't afford. Instead, you can
spend your time shopping for the home of your dreams in your price
Examine your finances. A lender will tell you how much
you qualify for but it's up to you to decide how big a payment
fits into your budget. How much do you feel comfortable spending
each month for housing? Remember to consider related costs such
as insurance and taxes, as well as interest and principle. I
will be happy to sit down with you and a lender and examine the
numbers. Looking for a home is fun and can be stress free when
you know ahead of time that the financial side of things makes
Consider what type of loan is best for you. Compare fixed-rate
with adjustable rate mortgages. Imagine where you want to be in
5 years, 15 years, or 30 years? What obligations might you have?
Take those things into consideration as you choose a loan that
is right for you.
Before you close the sale on your new home:
Hire an inspector. A professional building inspector
will examine the house of your choice and provide you with a written
report on the condition of the building and major appliances,
furnace, etc. I can give you the names of inspectors that my
past clients have been satisfied with. If you want the seller
to make a repair or lower the price to compensate you for a defect
found, I will put that in writing for you. This inspection process
is an important protection for you. If a seller does not agree
to a repair you are not obligated to buy the home.
Know what stays. Our offer will be very specific
about what items are included. You wouldn’t want to move in
and find all the appliances gone if you expected them to stay.