As an experienced real estate broker/agent, I am here to guide you through the entire process from selecting the right home, to closing at the right price.  I will help you shop for the best rates, terms and can even suggest mortgage lenders.

Here are some things to consider before purchasing a home:

• Check your credit

Get copies of your credit report.  If need be, clean it up.  Remember, the higher your credit score, the better your loan interest rate.  You should check all the three major credit reporting companies: Experian, Equifax and TransUnion, as each may have slightly different information.

• Price Range

Determine your price range before you consider the areas you would like to live, so you can look at homes only in your budget.

• Find a lender

Most people have to take out a loan to buy a home, and you want to be prepared to make a purchase offer as soon as you find a home you’re interested in.  So, you want to make sure that you are approved for a loan before you look at homes.  If you need help finding a lender, I can recommend trusted lenders in your area.

• Research

The details count when looking for the perfect home.  If you have children, you will want to consider the school districts in the area.  Do you want more bedrooms or bathrooms?  Would you prefer a newer or older home?  These are all things to keep in mind when looking for your new home.

• Found your home?

When you find the home you want to buy, I’m ready to prepare a written offer.  Since I’m familiar with market value, I’ll help you arrive at a price that gives your offer the best chance of being accepted at the low end of the range.

Once Your Offer is Accepted

After your offer is accepted, you’ll have a contingency period to get the house professionally inspected (examples: structural and mechanical, radon, termite, etc.). This is the time to request repairs.

Additionally, you will begin the process of formal loan application. The next step is to verify that the terms and conditions on your loan are accurate. Also, we’ll go over your signing papers. My job is to be there with you through every step of the way, all the way through settlement (also referred to as "closing").