Buying

Whether you are a first time buyer or downsizing for the last time, whether it's a luxury home or basic condo for young adults, I can help you determine the opportunities that are just right for you.

When purchasing the perfect home, you're faced with a multitude of decisions! It’s a process which requires patience with yourself, the market and yes, even your agent. Staying on top of, and understanding how to research the current market is a key benefit for my clients.

At your side each step of the way, I’ll make the process of purchasing a home easier, more enjoyable, less time-consuming and less expensive than undertaking this challenge on your own. I’ll help you locate and assess properties that match your needs, and guide you through the myriad of details of the actual purchase. At the same time, I will ensure that your interests are protected. I will also promote you to sellers ensuring you are perceived as a preferred buyer.

Loan Pre-Qualification

Obtaining a mortgage loan can be challenging as market forces continue to drive policies and controls to manage consumer debt levels and lender risk. So one of the first steps in the purchasing process is to be Pre-Qualified or better still, Pre-Approved, for a mortgage. It is recommended to work with someone you know or who has been referred to you.

     
Caution: Protecting your credit rating is important in this process. Get a copy of your personal report beforehand and        know what a lender will see before you apply and before you authorize access to your credit profile,

Call me and I’ll refer you to a mortgage professional who has an excellent reputation and track record for successfully acquiring loan approvals for clients.

Figuring Out Your Needs

Your first step to buying a home is to ask yourself why you want to buy:

• To stop paying rent and build equity? To raise a family?
• To move up to a bigger house or to take cash out and downsize?
• To entertain business associates or be closer to family?

Knowing what price range you can afford is of primary importance. With affordability in mind, I can then help you determine which properties best fit your needs. 

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; neighborhood (older and settled or sparkling new); a particular school zone or daycare; recreational facilities.
• Ask yourself how much time you are realistically willing to spend commuting to work and check your transportation options. 

 Think about home styles. 

• How much interior space do you really need?
• Do you want a newer home, or maybe a fixer upper?
• Consider how long you expect to live in this particular home.
  

Finding the Right Home for You

Locating a home for you is multifaceted. Yes, the main source for listed homes is the Multiple Listing Service (MLS) so most homes are online. However, my relationships with clients, other agents and other shared databases also provide me access to unlisted Sellers or homeowners just beginning to contemplate a sale.

Helping You Every Step Of The Way

My top priority is to make sure that your home-buying journey is pleasant, affordable, and successful. You will never feel alone with my hands-on approach in guiding you along the path.

Contact me today for a No Obligation consultation about what you need, how I can help and…....Let Me Make a Difference For You!