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I have been helping customers buy and sell real estate for almost 20 years now.
I am full time and work diligently to answer my phone, texts and emails in a timely manor. I am very knowledgeable in building construction, materials and housing defects.
I always recommend a home inspection from a preferred inspector but I can help you avoid starting down the purchase path on a "bad" house. I can also help explain which home inspection items are important and which are trivial.
I do help you with the type of loans available and point you to the lender that can help with your situation. 100% loans to investor rehab loans and everything in between!
I am the qualifying broker for my company and that means I teach other agents about contract, market conditions and customer service!
I want to be your Realtor for life. You will want to recommend me to your friends and family because I set the bar high and I achieve results for you!
Chris Brown, Qualifying Broker
Whether you’re a first-time home buyer or an experienced homeowner, this guide can help you through the mortgage process. It will help make your home buying experience much easier. This Home Buyer’s Guide offers everything you need to know as you prepare to buy a home:
• Understand your costs up front
• Determine a price range that’s realistic and comfortable for you
• Know more about how a real estate agent can help you
• Learn how your credit score can impact your loan
• Identify the paperwork you need for a smooth loan process
As you prepare to buy a home, this guide will help you answer these important questions.
1. Am I ready to buy? The first step in buying a home is making sure you understand the homebuying process.
2. What do I need to know before I apply for a loan? Feel confident that you’re making the right choice.
3. What do I need to do before I start shopping for a home? Learn what you can do to get a head start.
4. How do I go about finding the perfect home and making an offer? Know what you want in your future home and how to find it.
5. What do I do after my offer is accepted? Make sure the final stretch goes smoothly, so you get your new home with minimal stress.
Think about whether you’re ready to own a home.
Determine if you are ready to apply for a mortgage loan.
Compare owning vs. renting.
Understand the costs of homeownership.
Your credit rating is important.
Before you start looking for a house, ask yourself:
Are you comfortable with what you can afford?
Do you have a reserve of cash saved?
How financially stable are you?
Do you have good credit?
There are great advantages to owning a house, financially and emotionally. But there are also a lot of responsibilities: repairs, taxes, insurance and utilities. Weighing these against the advantages helps make the decision more clear.
Understand the different mortgage options
It will be helpful to have a general idea of a home price and monthly payment you think you can comfortably afford.
Before you look at houses, find out how much you can borrow. The best way to do that is to get prequalified by a lender. If you have already started looking at homes be sure that you receive a conditional approval.
In reality, your ideal home price will depend on how much money a bank will lend you, which is based on:
The actual amount of the loan for which you qualify will vary based on factors such as the amount of your down payment, your income, credit score and assets.
You’ll also want to consider how much of your monthly income you are comfortable devoting to your house payment and how much you’ll have left over after purchasing your home.
What documents will I need to apply for a loan?
When you apply for a loan, you’ll typically need to provide quite a bit of information. The documents will enable your lender to verify your income and assets.
Here’s a list of typical documents and data you’ll need to provide:
Select a lender you are comfortable with to obtain a prequalification or conditional approval. Prior to choosing your lender, you’ll want to compare rates and fees.
We can help you set your budget based on where you are in the homebuying process
Get prequalified for a mortgage if you are thinking about buying a home but are just getting started and want to get a same-day estimate of your homebuying budget. A prequalification is simply an estimate of how much you can borrow based on information you provide.
To buy a home you love, you need to know what you want and need in a house. Then you need to find a home that meets those needs. There are a number of steps along the way. Here’s help on how to navigate your way through the process.
Know what you want in a house.
Single-family home, condo, or gated community? How much privacy do you want? How important are local schools? Consider all the factors that will make you satisfied when you move in.
Select a real estate agent.
The right agent is your partner in finding the right home and negotiating a good price for it.
Make an offer and negotiate the price.
The price of a home depends on many ever-changing factors, and negotiating that price involves insight, intuition, tact, and steady nerves. Find out how to play the game and who can help.
A good real estate agent is your partner in the homebuying process.
You may be working with them for several months so it’s important to find someone with whom you’re totally comfortable.
Understand the difference between agents:
An agent will:
You’ll work closely with your Mortgage Banker to complete your application.
If you did not provide verification of your income and assets in the prequalification process, you will need to provide those documents now along with an executed purchase contract.
If you already provided income and asset documentation, you will just need to provide a signed purchase contract.
How do you decide if you should lock in your rate?
Most lenders allow you to lock in your interest rate for 60–90 days
No one can predict what will happen with interest rates
Your Mortgage Banker will submit your application and financial information to a Loan Processor who will take an even closer look at your financial information.
During this period:
Depending upon what documentation you provided during the prequalification process,
your Loan Processor will send all of your information to an Underwriter who will review it all and make a final decision on your loan.• •
Attend the closing and get the keys to your new home!