Buying a home is an exciting time in one’s life. Making the smart move of choosing a REALTOR® is your first step to ensuring that your new home and community meets your needs. Our services and experience range from financial aid to helping you find the home that best suits you and your family. We pride ourselves on repeat business and hope you’ll come to understand why.

As Your Agent, We Will:

  • Schedule a one hour buyer consultation at our office to go over the home buying process, answer any questions you have, set you up on a home search and give you a binder to take home full of resources including the current real estate purchase contract.
  • Give you a list of lenders that we enjoy working with to talk about financing so you can provide us with a comfortable monthly payment.
  • Assure that you see all the properties in the area that meet your criteria.
  • Provide you with information on new construction and inventory homes. You will not get a lower price by choosing to be unrepresented (the builder rep/agent represents the builder only).
  • Make sure you don’t pay too much for your new home and help you avoid costly mistakes.
  • Answer all of your questions about the local market area, including schools, neighborhoods, the local economy, and more.
Before You Start Looking For Your New Home:

  • Check your credit rating. Straighten out any errors before its too late.
  • Determine a comfortable monthly budget for your new purchase, including down payment and monthly payment.
  • Find a loan that meets your needs and get pre-qualified (preferably pre-approved).
  • Choose a REALTOR® that you trust and who understands your needs.
  • Determine what area(s) best matches your needs.
  • Identify the “must have’s” for your home.
Closing Costs to Expect:

  • Lender fees include charges for loan processing, underwriting, preparation and establishing an escrow account.
  • Third-party fees include charges for insurance, title search, and other inspections such as termites.
  • Government fees include deed recording and state & local mortgage taxes.
  • Escrow and interest fees include homeowner’s insurance, loan interest, real estate taxes, and occasionally private mortgage insurance.

If you come across a home you like but aren’t sure if it’s in your budget, there are several calculators you can use to estimate your monthly payment. This calculator will give you your Principle + Interest Payment and your Estimated PMI (mortgage insurance you will pay until you reach 20%) Be sure to add taxes (yearly divided by 12), home owner’s insurance (around $60 per month) and any additional monthly association/condo fees to the Principle + Interest and Estimated PMI. Your interest rate will vary, so talk to a local lender for the current rate. Your loan amount is the purchase price minus your down payment (3.5%, 5%, + of the purchase price).