Deciding To Buy

Purchasing a property is most likely the biggest financial decision you will ever make. Whether this is your first purchase or you are an experienced buyer, this decision must be made carefully.

Why do you

Want to Buy?

Are you tired of paying rent? Have you decided to pay your own mortgage and not your landlord’s? Have you outgrown your current home? Are you looking for an investment portfolio? Are you looking for a rental property? Would you like a larger yard? Would you rather live in a different area? Do you want to shorten your commute? Having a clear sense of your reasons for buying will help you choose the right property.

HAS YOUR INCOME GROWN?

Property ownership is an excellent investment; whether you are looking for your dream home, a rental property, or to expand your investment portfolio. Owning real estate is one of the least risky ways to build equity or to obtain a greater return on your initial investment.

Deciding To Buy

Purchasing a property is most likely the biggest financial decision you will ever make. Whether this is your first purchase or you are an experienced buyer, this decision must be made carefully.

Why do you

Want to Buy?

Are you tired of paying rent? Have you decided to pay your own mortgage and not your landlord’s? Have you outgrown your current home? Are you looking for an investment portfolio? Are you looking for a rental property? Would you like a larger yard? Would you rather live in a different area? Do you want to shorten your commute? Having a clear sense of your reasons for buying will help you choose the right property.

HAS YOUR INCOME GROWN?

Property ownership is an excellent investment; whether you are looking for your dream home, a rental property, or to expand your investment portfolio. Owning real estate is one of the least risky ways to build equity or to obtain a greater return on your initial investment.

Ground Work To Buying

Create your Financial File

This file will contain all your important financial documents that you will need to secure financing for your property. This file should contain: Financial statements, Bank accounts, Investments, Credit cards, Auto loans, Recent pay stubs, Tax returns for two years, Copies of leases for investment properties, 401K statements, life insurance, stocks, bonds, and mutual account information.

Check Your Credit Rating

Your credit score will have a huge impact on what type of property you can buy, and at what price. It is first recommended to check your credit rating with an experienced lending institution so that we can determine what you can afford. The lender will research your credit ratings from the three credit reporting agencies Equifax, Experian and Trans Union. We will be happy to recommend experienced, knowledgeable lenders in the residential, construction, and commercial and investment real estate fields.

Being cautious with your Finances

Now is NOT a good time to make sudden career changes or large purchases. You want to approach your property purchase from a position of financial stability.

Ground Work To Buying

Create your Financial File

This file will contain all your important financial documents that you will need to secure financing for your property. This file should contain: Financial statements, Bank accounts, Investments, Credit cards, Auto loans, Recent pay stubs, Tax returns for two years, Copies of leases for investment properties, 401K statements, life insurance, stocks, bonds, and mutual account information.

Check Your Credit Rating

Your credit score will have a huge impact on what type of property you can buy, and at what price. It is first recommended to check your credit rating with an experienced lending institution so that we can determine what you can afford. The lender will research your credit ratings from the three credit reporting agencies Equifax, Experian and Trans Union. We will be happy to recommend experienced, knowledgeable lenders in the residential, construction, and commercial and investment real estate fields.

Being cautious with your Finances

Now is NOT a good time to make sudden career changes or large purchases. You want to approach your property purchase from a position of financial stability.

Expertise & Knowledge

Buying a property requires making many important financial decisions, understanding complex issues, and completing a lot of paperwork. It helps to have an expert in your corner when undertaking such a large purchase. We can guide you through this process, and also provide you with access to property listings before they hit the general market.

CHOOSING YOUR REAL ESTATE PROFESSIONAL

  • Look for a full-time agent – one who has experience completing transactions similar to yours.

  • Interview a few agents: Are they familiar with the area in which you are interested?

  • Ask how much time the agent will have for you and if they are available at night and on weekends.

  • Ask about their credentials and education: A good agent will continually strive to improve and gain knowledge of the latest real estate trends.

  • Does the agent return your calls promptly? Time is money when attempting to buy a property.

  • Ask them about their past experiences and transactions.

  • Choose an agent who listens attentively to your needs and concerns. Pick an agent, with whom you feel comfortable.

Expertise & Knowledge

Buying a property requires making many important financial decisions, understanding complex issues, and completing a lot of paperwork. It helps to have an expert in your corner when undertaking such a large purchase. We can guide you through this process, and also provide you with access to property listings before they hit the general market.

CHOOSING YOUR REAL ESTATE PROFESSIONAL

  • Look for a full-time agent – one who has experience completing transactions similar to yours.

  • Interview a few agents: Are they familiar with the area in which you are interested?

  • Ask how much time the agent will have for you and if they are available at night and on weekends.

  • Ask about their credentials and education: A good agent will continually strive to improve and gain knowledge of the latest real estate trends.

  • Does the agent return your calls promptly? Time is money when attempting to buy a property.

  • Ask them about their past experiences and transactions.

  • Choose an agent who listens attentively to your needs and concerns. Pick an agent, with whom you feel comfortable.

Start Shopping

Go drive

Explore the neighborhoods, complexes, or subdivisions that interest you. Take a drive around to experience what it might be like to own a property there. Begin familiarizing yourself with the types of properties available in those areas.

Refine your search

Choose a few properties that interest you the most and have your real estate agent schedule viewings. Inquire with your agent about the potential long-term resale value of the properties you're considering

Time to buy

After selecting the property you want to purchase, your real estate agent can assist in making a compelling offer that the seller is likely to accept. A skilled agent will research potential costs and expenses tied to the property and help structure your offer to give you an edge over competing bids

Start Shopping

Go drive

Explore the neighborhoods, complexes, or subdivisions that interest you. Take a drive around to experience what it might be like to own a property there. Begin familiarizing yourself with the types of properties available in those areas.

Refine your search

Choose a few properties that interest you the most and have your real estate agent schedule viewings. Inquire with your agent about the potential long-term resale value of the properties you're considering

Time to buy

After selecting the property you want to purchase, your real estate agent can assist in making a compelling offer that the seller is likely to accept. A skilled agent will research potential costs and expenses tied to the property and help structure your offer to give you an edge over competing bids

Final Stages

Closing Time

You’ve made it to the table and are almost there, but stay prepared—there are still a few final things to do or consider before the party.

Final Inspection:

Generally considered a formality, the final inspection is conducted either the day before or on the day of closing. During this visit, you will verify that the property is in proper working order, confirm that its condition is consistent with your previous viewing, ensure no items have been left behind, and confirm that all items included in the purchase are present.

Home Services & Utilities:

I will provide a list of contacts for you to activate all the home services and utilities.

Closing:

The closing agent will provide all parties with a settlement statement, outlining the financial details of the transaction. Both you and the seller will review and sign this document, along with the closing agent, confirming its accuracy. If you're securing a loan, you'll be required to sign the necessary paperwork as required by your lender. In the event you're unable to attend the closing, alternative arrangements can be made based on the notice and circumstances. If you need to bring funds, you can either wire them to the closing agent’s escrow account or bring a certified bank check for the amount listed on the settlement statement. The seller should ensure that all property keys and any other essential items are ready for transfer to you during the closing.

Final Stages

Closing Time

You’ve made it to the table and are almost there, but stay prepared—there are still a few final things to do or consider before the party.

Final Inspection:

Generally considered a formality, the final inspection is conducted either the day before or on the day of closing. During this visit, you will verify that the property is in proper working order, confirm that its condition is consistent with your previous viewing, ensure no items have been left behind, and confirm that all items included in the purchase are present.

Home Services & Utilities:

I will provide a list of contacts for you to activate all the home services and utilities.

Closing:

The closing agent will provide all parties with a settlement statement, outlining the financial details of the transaction. Both you and the seller will review and sign this document, along with the closing agent, confirming its accuracy. If you're securing a loan, you'll be required to sign the necessary paperwork as required by your lender. In the event you're unable to attend the closing, alternative arrangements can be made based on the notice and circumstances. If you need to bring funds, you can either wire them to the closing agent’s escrow account or bring a certified bank check for the amount listed on the settlement statement. The seller should ensure that all property keys and any other essential items are ready for transfer to you during the closing.

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Work With Me

I'm passionate about real estate and I strive to share that enthusiasm with my clients. With my extensive experience, I’ll help you achieve your goals for your home, family, and long-term investment growth.

Work With Me

I'm passionate about real estate and I strive to share that enthusiasm with my clients. With my extensive experience, I’ll help you achieve your goals for your home, family, and long-term investment growth.