Whether you are buying a home for the first time, are moving to a larger home, downsizing, or moving to a retirement community, I understand that buying a home is likely the most expensive purchase you make. I am interested in meeting with you as soon as you first consider buying a home. It is a evolving process, and I am there to guide and refer, advise, educate and serve you every step of the way, from referring you to a lender, finding a home, writing your offer, through the inspection stage, to attending closing with you. My expertise and experience will make for a successful, less stressful experience.
Preparing to Buy
Right from the start I will refer you to a lender who can discuss your finances and mortgage options, as well as how much house you can afford. He will provide you a pre-approval letter and a good faith estimate of the funds needed at settlement. You will know how much money you will be contributing. At the same time we will get together to discuss the "home buying process". I want you to know what to expect over the next forty-five days or so.
Based on what you identify as your home criteria, (by this I mean price, type, location, home style, bedrooms and baths, home features) and community amenities, I will identify homes which best match. We will visit homes until you find that "special" home. You will know the house when you see it.
Writing an Offer
Once you have found a home, it will be time to write an offer. As your agent I will explain the contract and the many forms it includes. We will determine a price and a strategy to have your offer accepted by the seller. I will negotiate with the seller's agent for you. Your goal is to get the house at the best price and terms you desire. For your specific house, I will prepare an estimate of the funds you will need to bring to settlement. But do get the exact value from the lender.
Inspection and Appraisal
Once our offer is accepted, we have an opportunity to hire an inspector who will go through the home to be sure it is in good condition and systems and appliances function properly. He will also identify any that require repair or are non-functioning. We will prepare a report for the seller requesting items to be repaired or serviced. Again I negotiate for you to achieve mutual agreement with the seller.
Shortly after that an appraiser will visit your house to identify its value. The mortgage company wants to be sure the house is worth the money it is lending you. It does happen sometimes that the appraisal value comes in less than the loan amount. If that happens, we will discuss our options and I will negotiate a resolution with the other agent.
I am there to communicate with you and work for you to resolve any issues that may arise with the sellers and their agent.
When the mortgage company has "committed" to your loan, we are ready to settle and close. This is the process where ownership of the home changes hands. There will be many papers for you to sign. You will bring your funds and the lender will provide its share. The seller will receive his funds for selling his house. I will be there to support you and ensure all goes well.
Let's get started.