Buyer's Guide

Look for an agent with experience, knowledge, strong communication skills, and a professional demeanor. They should have a deep understanding of the local market and be able to provide you with personalized guidance and support tailored to your unique needs and preferences. It's also important to find an agent you feel comfortable working with and who is committed to providing exceptional customer service. With the right agent by your side, you can find the home of your dreams with confidence and ease.

GETTING YOU IN THE DOOR

Finding the right buyer real estate agent is crucial to ensuring a smooth and successful home-buying experience.

STAYING ON TOP OF THE PAPERWORK

As a buyer’s agent, staying on top of the paperwork is essential to ensure a smooth and timely transaction. I am highly organized and detail-oriented, and I pride myself on my ability to manage and track all necessary documents and deadlines

ON YOUR SIDE

I am dedicated to representing interest of my client throughout the entire buying process, from property search to negotiation and closing.

AFFORDABILITY

I focus on finding affordable properties that meet my clients' needs and budget.

PROBLEM SOLVER

I am a skilled problem solver, able to anticipate and address any challenges that may arise during the buying process. I work tirelessly to find creative solutions that meet my clients' needs and achieve their real estate goals.

NEIGHBORHOOD EXPERT

I am a neighborhood expert, knowledgeable about the local community, schools, amenities, and property values. I use this expertise to help my clients find the right neighborhood that meets their lifestyle and investment needs, while ensuring they get the best possible value for their money.

Being pre-approved, unlike being pre- qualified, means you've actually been approved by a lender for a specific loan amount. You will need to provide documented financial information (income, statements, assets, debt & credit reports etc.) to be reviewed & verified by the lender.

Apply for a Mortgage Loan

Your Income

QUALIFYING INCOME

• W-2 Income/Salary
• Income from Part-time Jobs
• Income from a Second Job
• Overtime & Bonuses
• Seasonal Jobs
• Self-employed Income
• Alimony & Child Support (Documentation required)

NON-QUALIFYING INCOME

• Income from the lottery
• Gambling
• Unemployment pay
• Single bonuses
• Non-occupying co-signer income
• Unverifiable income
• Income from rental properties

NEEDED DOCUMENTS

• W2’s From the Past 2 Years
• 3 Months' Worth of Pay-stubs
• Bank Statements (Past 3 Months)
• Previous 2 Years of Tax Returns
• List of Your Debts & Assets
• Divorce Decree
• Additional Income Documents

WHEN TO MAKE AN OFFER:

So you have found THE house! Congrats! In today’s market when the demand is higher than the amount of homes available it is important to act fast!

HOW MUCH TO OFFER:

We will sit down and look at recent sales and current buyer activity in the area, as well as the value of the property in its present condition. Putting all this information together, we will determine the price that you would like to offer.

SUBMITTING AN OFFER

There are some components to an offer that makes it more appealing to the sellers.

• Put Your Best Foot Forward
  We will work together to discover options and create your best offer. Depending on the circumstances, you may have only one chance to make a good impression.
• Shorter Inspection Periods
  Try shortening the inspection period to 10 days
• Offer to Close Quickly
  Many sellers prefer to close within 30 days.
• Put Down a Healthy Earnest Deposit
  A large earnest money deposit shows the seller you are serious.
• Cash Talks
  A transaction that is not dependent on receiving loan approval is more attractive to a seller
• Write the Seller a Letter
  We will make your offer stand out by writing a personal letter to the seller, explaining why you fell in love with their home.

Issues typically arise after the home inspection, and those issues tend to result in another round of negotiations for credits or fixes.

• Ask for credit for the work that needs to be done.
  Likely, the last thing the seller wants to do is repair work.
• Think “big picture” and don’t sweat the small stuff.
  A tile that needs some caulking or a leaky faucet can easily be fixed. Repairs are still up for negotiation and perhaps a small credit would help with closing costs.
• Keep your poker face.
  The listing agent will be present during inspections and revealing your comfort level with the home could come back to haunt you in further discussions or negotiations.

AFTER SIGNING

• Finalize Home Mortgage
• Schedule Home Inspection
• Declutter! Sort through every drawer, closet, cupboard & shelf, removing items you no longer need or like. Donate or sell items that are in good condition
• Get copies of medical records and store them with your other important documents
• Create an inventory of anything valuable that you plan to take
• Get estimates from moving companies

4 WEEKS TO MOVE

• Give 30 days notice if you are currently renting
• Schedule movers/moving truck
• Buy/find packing materials
• START PACKING

3 WEEKS TO MOVE

• Arrange appraisal
• Complete title search (Title company will do this)

2 WEEKS TO MOVE

• Secure Home Warranty
• Get quotes for home insurance
• Schedule time for closing
• Contact utility companies (water, electric, cable)
• Change address: mailing, subscriptions, etc.
• Minimize grocery shopping
• Keep on packing

1 WEEK TO MOVE

• Obtain certified checks for closing
• Schedule and attend a final walkthrough
• Finish packing
• Clean
• Pack essentials for a few nights in new home
• Confirm delivery date with the moving company