Information for Buyers

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. My services and experience range from financial aid to helping you find the home that best suits you and your family. I pride myself on repeat business and hope you’ll come to understand why.

As Your Agent, I Will:

• Assure that you see all the properties in the area that meet your criteria. I can show you any home in the area that is on the market  no matter who has it listed, so you don't need to call anyone else but me. I will be your buyer's agent representing your interests. The listing agent will be looking out for the seller's interest. You need me on your side! 
• Guide you through the entire home buying process, from finding homes to tour, to getting the best financing.
• 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 neighborhood best matches your needs.
• Identify important features you need your new home to have.
• Generally the buyer puts down money with their offer to show they are serious about buying the home. You will need to have that money set aside in a bank account for that purpose. It will come off of your cost at closing. You will also need $300 to $500 to pay for home inspections. You will need to pay that at the time of the inspections which should take place several days after we have a signed contract.

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.