Let me help you every step of the way. When purchasing a home, you are faced with a multitude of decisions! The primary one is whether you are prepared to buy a house. Locating the perfect home can be challenging, and obtaining a mortgage loan can be complex and tiring. Although, once you have determined that you are ready to move forward with the required effort toward your home-purchasing goal, the rewards are unquestionable. While at your side each step of the way, I will make purchasing a home easier, more enjoyable, less time-consuming, and less expensive than if you undertook this challenge on your own. 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 of details attending the actual purchase. I am always familiar with the current homes on the market and know neighborhood values well, so I can help you determine which properties are reasonably priced and in good condition before you start your search. Your first step in buying a home is to ask yourself why you want to buy one: to stop paying rent. To have a place of your own? to raise a family? To entertain business associates? To move up to a bigger house? Next, list what kind of home you'd like and where to be. Be specific. Separate the "must-haves" from the "want-to-haves." Think of yourself as zeroing in on a target, going from the general to the specific. Consider area (city, suburban neighborhood, country); community (north, south, east, or west side); neighborhood (older and settled or sparkling new; a particular school zone; recreational facilities; and other community services such as transportation, daycare, library, stores, entertainment). Ask yourself how many minutes you are willing to commute to work. Think about home styles. How much space do you need? Does your situation require a one-level home, or are stairs acceptable? Consider size and kind of property. Do you want a newer home or an older one to fix up? Someday, you or your heirs will want to sell. Consider how long you expect to live in this particular home. Once you have addressed the above needs, your next step in the purchasing process is to get pre-qualified with a mortgage company. This can be done over the phone or even online in minutes. Call me, and I will refer you to a mortgage professional with an excellent reputation and track record for successfully acquiring loan approval for their clients.
