• calendar_month June 19, 2024

As your trusted local real estate professional, I'm here to guide you through every step of your journey toward homeownership. Whether you're just starting to dream about owning a home or you're ready to make it a reality, I've got you covered!

 Connect with Me

• Reach Out: Your journey begins by connecting with me. I'll ask you a few simple questions to understand where you are in the home-buying process.

• Personalized Guidance: Based on your answers, I'll connect you with a knowledgeable local lender who specializes in working with first-time home buyers like yourself. This lender will provide you with a personalized road map to homeownership at no cost to you.

Get empowered with expert advice

• Expert Advice: Our trusted lenders will break down the process for you and provide valuable insights into today's market.

• No Cost to You: Remember, there's no cost for this invaluable service. It's all about giving you the tools and knowledge to prepare for your home-buying adventure.

Step 1: Check Your Credit Score

Before starting the home-buying process, check your credit score. This determines your eligibility for a mortgage and affects your interest rate. Improve your score by paying bills on time and managing credit responsibly.

Step 2: Determine Affordability

Calculate how much you can afford:

• Down Payment: Typically 3.5% to 20% of the home's price, depending on your loan type.

• Closing Costs: Usually 2% to 6% of the loan amount, covering fees like appraisal and title.

• Move-in Expenses: Plan for repairs, furniture, and household essentials.

• Other Bills: Budget for property taxes, insurance, utilities, and more.

Use my mortgage calculator to estimate costs: Mortgage Calculator

Step 3: Pick a Lender & Get Pre-Approved

Research and select a lender:

• Shop Around: Find a lender offering favorable terms.

• Pre-Approval: Get pre-approved to know your loan amount and costs. It shows sellers you're serious and strengthens your offer.

Step 4: Find the Right Real Estate Agent

Choose a trustworthy agent:

• Interview Agents: Find someone experienced and reliable.

• Guided Search: Your agent helps find homes that fit your needs and preferences.

Step 5: Start House Hunting

Begin the search with your agent:

• Considerations: Size, style, location, schools, and commute.

• Research: Explore neighborhoods and properties thoroughly.

Step 6: Make an Offer, Inspections, and Appraisal

When ready, make an offer on a home:

• Offer Process: Your agent advises on pricing and terms.

• Inspections & Appraisal: Assess the home's condition and value before finalizing.

Step 7: Closing on Your New Home

Complete the process:

• Final Walk through: Ensure agreed repairs are done.

• Closing Day: Sign the paperwork and take ownership of your new home.

Frequently Asked Questions (FAQ)

Here are some common questions answered:

• Cost of Connecting with a Lender: It's free! Our trusted lenders provide you with a personalized road map to homeownership without any cost.

• Credit Check: Your credit won't be checked initially. Only when you're ready to move forward with a pre-approval will your credit be assessed. This ensures your credit score won't be affected until you're committed to buying a home.

Owning a home is a significant milestone, and I'm here to make sure your experience is smooth, enjoyable, and empowering. Contact me today to begin your journey toward homeownership. Let's make your dream home a reality together!