Buying

When purchasing a home you're faced with a multitude of decisions. I welcome you to review my Buyer's Guide developed to provide you with all the information you need to ensure you're prepared. From pre-qualifying financially, to de-bunking some Myths - it will give you a great start.
And here's some additional things to consider about working with a REALTOR.
Locating your perfect home is not always easy (check out my Blog post, Passion for Community), but once you've determined you're ready to move forward, the rewards will be worth journey.
 
My passion is to make the process of purchasing a home easier, more enjoyable, less time-consuming, and less expensive than undertaking it on your own.  I will help you locate and assess properties that match your criteria, and help you through the myriad of details involved in the purchase. 
 
I keep myself familiar with current homes on the market, and I know the local neighborhood values well, so I can help you determine which properties will meet your criteria when you start your search.

YOUR FIRST STEP: WHY?

Ask yourself why you want to buy a property - "what is my motivation"?:
  • To stop paying rent?
  • To start building equity?
  • To have a place to call your own?
  • To raise a family?
  • To entertain business associates?
  • To move up to a bigger house or a different neighbourhood?
Next, list what kind of home you'd like and where you would like to be. Be specific. Separate the "must haves" from the "want to haves."   
 
Consider area (city, suburban neighborhood, country); community (north, south, east, or west side); neighborhood (older and settled or sparkling new; a particular school zone; recreational facilities; and other community services such as transportation, day care, library, stores, entertainment). Ask yourself how many minutes you're willing to commute to work.
 
Think about home styles. How much space do you need? Does your situation require a one-level home, or are stairs acceptable? Consider size and kind of property. Do you want a newer home, or maybe an older one to fix up? Large lot or in-fill? Rural or Urban?
 
Lastly, consider how long you expect to live in this particular home. Is this a mid-range purchase, or long-term?  Or is it an investment?

YOUR NEXT STEP: LOAN PRE-QUALIFICATION

How do I pay for it? Obtaining a mortgage loan can be a complex and tiring process, but once you've addressed needs, your next step is to get pre-qualified with a mortgage company.  This is a critical aspect to being pepared, as it determines what property values we'll be looking at.  
 
Be sure to ask your lender what information they need you to bring to a meeting. Together with you they'll assess your financial situtation and provide you with a document that shows what you qualifiy for. Even if you're not in need of a mortgage, you must be prepared to discuss your financial payment plan with your REALTOR(r).  
 
Call me and I'll provide you with short list of mortgage professionals who have established an excellent reputation.

I WILL HELP FIND THE RIGHT HOME FOR YOU

Once you've been pre-qualified and know what price range you want to stay in, we begin the search for communities and properties that fit your needs.  In part, we do this by using the (MLS) Multiple Listing Service system.  In addition, I have excellent resources and systems available to me to help locate the homes that match your criteria -  you can even search my listings here at my website.

I WILL HELP YOU EVERY STEP OF THE WAY

I will help you complete your financing and inspections, and close on the transaction. My priority is to make sure your home buying experience is pleasant, cost-efficient, and successful.