Whether you’re in the market to buy or sell, I am committed to supporting your real estate needs through every step of the process.
Whatever your reasons for buying, finding the right home in the perfect neighborhood, and at a cost that is within your budget, is no small task.
That’s why many buyers choose to work with a full-service, licensed real estate professional, like myself, to guide them through the process.
I have detailed information about properties for sale by every company, and can make appointments to see any home that you’re interested in.
~ Help you find the home that best meets your needs in the most efficient timeframe
~ Provide current market data to assist you in making informed decisions
~ Help you understand all the terms, processes, and documents involved in a real estate transaction
~ Represent your needs through skilled negotiations and effective communication
~ Provide you with a peace-of-mind that all details are being handled in a professional and efficient manner
Beginning the Process of Buying a Home
Organization is the key to finding the home you want while spending the least amount of time and energy.
Find out how much house you can afford. It’s a good idea to do this before you go house-hunting. I can refer you to a loan officer who can assist you with determining how much of a down payment you can afford, along with a monthly payment you can handle.
Make a list of everything you want in a home. Is a master suite important? What type of kitchen are you looking for? How many bathrooms? What about closet space? Do you need a yard for the kids and/or pets to play in? How about a fireplace or desired type of home heating? Do you prefer a rambler or a mulitple-story house? Are schools or access to Mount Bachelor, Deschutes River, Drake park or Downtown Bend important?
Separate the essentials from the items you could do without and put them on the “A” list. Prioritize the rest of the items into a second and third list. We will then go over the lists so that I am very clear on what you need and what you want.
Keep good notes as we look at homes. After a while, it becomes difficult to remember which features belong to which home. I can provide you wiht a form and a rating system to help you compare homes.
When selecting a home, look beyond cosmetics. Make sure the home is in good physical condition and that you understand the cost of repairs.
Look at additional home, even if you love the first one you see. Many times, it takes looking at several homes before you find the one that is really right for you.
As your Windermere agent, I will check with you regularly, even if you haven;t found a house that suits your needs. Keeping in contact allows us to establish a good rapport, and helps me learn how to help you effectively. I’ll continue to be on the lookout for homes that suit your needs.
How Much Home Can you Afford
Before you start looking at homes, it’s a good idea to find a target price range that you can afford. A mortgage lender will want ot make sure you can handle the down payment, plus a monthly mortgage payment made up of principal, interest, taxes and insurance (PITI).
Interest rates and your personal finances will influenece the amount of house you can afford. That’s why it’s always good to talk to a lender before you start shopping for a home. I can refer you to lenders suited to your specific financial needs.
There are a wide variety of lona programs available to buyers. I can give you the names of several mortgage specialists who can review all of your options with you.
In order to plan properly, you need to understand what lenders are looking for from a borrower. There are three factors that help determine if you qualify for home financing:
* Your Credit History
Most loan programs require you to verify all of your income sources. Your mortgage consultant will let you know what documentation is needed.