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I offer a fresh and friendly approach to the constantly evolving real estate market. I pride myself on providing my clients with everything they need to make buying as stress-free as possible. No matter if you are looking to buy your first home or a lucrative investment, I can help you find the best opportunities. I promise my best efforts to:
In any transaction where you are putting so much on the line financially, it is a good idea to have at least a basic idea of what is going on. I hope this home buyer’s guide alleviates your concerns and helps you understand the major milestones that occur during the detailed process.
Speak with me to understand your options and best down payment for you
To get started, ask me which local lenders I trust and recommend
Hand select the perfect match to represent you throughout your life changing transaction
I will help you narrow down your search and provide automatic listing alerts
When you are ready, I will help you determine how much to offer and which contingencies to include
I will advocate on your behalf, reaching the best deal possible
I will assure loan underwriting moves forward on schedule
I will oversee the entire escrow process with impeccable attention to detail
Welcome to your new home
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Buying a property always seems like such a daunting and pressure-filled task—but it does not have to be! No matter where you are on the property ladder, I will help you every step of the way. My goal is to provide you with expert, caring and candid advice throughout one of life’s most important transactions. To further develop your trust, I am standing by to answer all inquiries and alleviate your concerns. Use this guide to answer the most common questions asked by buyers in the market for a new property.
The absolute first step is to determine your budget and get approved for a mortgage. Without being approved for a mortgage it will be quite difficult, if not impossible, to purchase a new home. I can help guide you to a reputable mortgage corporation and advisor that you can trust.
The time frame usually varies when searching for your new home and securing an accepted contract. Factors that may affect this are available inventory, market conditions, and your specific needs. Upon receiving an accepted contract, the process usually takes 20 to 45 days to close.
The National Association of Realtors found that the average homebuyer searched for eight weeks and looked at nine homes, viewing five of these homes online. You may be able to find exactly what you're looking for right out of the starting gate, especially if you are flexible with your needs or are looking at remodeling. Those who are more particular may have to look at more houses and over a longer period of time depending on the market. Taking advantage of online tools such as virtual tours and detailed photographs can help narrow your house search.
This is a tricky question, and the answer primarily depends on your funds and ability to find temporary housing. If you need more equity to purchase a new home or meet a mortgage plan, then it is best to sell your current home before purchasing your next one or include a contingency in your offer. That being said, you will most likely need temporary housing at a friend or relatives, or by arranging a short-term rental elsewhere.
Yes, I would almost always recommend a home inspection and believe it is one of the most vital steps when purchasing a property. A professional inspector has a keen eye for how well the house has been taken care of. The inspectors can comment on structural and cosmetic issues, along with any local code issues. Moreover, a home inspector will help you better determine the home’s value. We can point you in the direction of trustworthy home inspectors in the local area.
A final walk-through is not required but highly recommended. Final walk-throughs give buyers a chance to make sure nothing has changed since their initial inspection or previous visits. Also, if repairs were requested as part of the sale offer then a follow-up visit ensures all repairs are done according to the agreement and contract.
Earnest money is similar to a deposit when renting a place. It is made in good faith to demonstrate to the seller that the buyer’s offer is legitimate. The amount is usually 1-2% of the selling price and essentially takes the property off the market. The money also gives you extra time to conduct a title search, inspection, property appraisal, and financing.
Sometimes, you might have second thoughts or want to go in a different direction. But remember that you will have to forfeit the earnest money, which again, is around 1–2% of the home’s sale price.
An escrow is a term that refers to a neutral third party hired to handle the exchange of money, property transaction, and related documents. The escrow holds the money and documents in a trust until all terms and conditions of the sale are satisfied. When depositing earnest money, it is wise to use an escrow account.