For Home 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. For your convenience, I also provide listings by email. I pride myself on repeat business and hope you'll come to understand why.
How I Can Help
Before you start looking
Closing Costs
- Assure that you see all the properties in the area that meet your criteria.
- Buyer Counseling Session to discuss your goals.
- Acess John Stewart Walkers 40 + agents and their contacts to uncover the home of your dreams.
- Buyers Agency: define how that might be helpful for you and have literature available for you to read.
- Guide you through the entire home buying process, from finding homes to look at, 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.
- Property Showings: We will see all homes that fit the criteria in the entire MLS.
- Property Details of the Disclosure and inspection reports will be reviewed.
- Strategize negotiation with a cpmpetitive anlysis of closed and active properties.
- Preparing an offer: You will a professional presentation delivered to the owner and their agent.
- Do you need a survey, a home warrenty, and an appraisal? Survey's are highly recommended now, many builders did not survey their lots in the last 10 years as banks did not require them. I feel appraisals are necessary to protect your investment even in a cash sale.
- Home inspections are very important, I have a local list of certified inspectors who are professionals. I will work with you to request the seller remedy the items you specify.
- Final Walk-Through before you close- this is such a great time to see the home you will move into in just a few days. We will check together to see that all items have been repaired from the contract requests.
- Closing of your new house: I will communicate with you every step of the way so you are aware of the progress of your transaction for a timely closing.
- After you close. I will be contacting you to make sure that you don't have questions and to see what other resource people you need to mainitain you new purchase.
- Rental? If you need temporary housing to bridge the gap between moving and purchasing - let me give you some suggestions and I will utilize different rental agencies to help you find the best spot to use for this time.
Before You Start Looking For Your New Home:
- Check your credit rating. Straighten out any errors before its too late.
- Obtain a pre-approval letter or a letter certifying you have cash funds to close on a transaction before you look at property, seller want to know that you can afford their house. These letter must accompany all purchase offers for you to be successful.
- Determine a comfortable monthly budget for your new purchase, including down payment and monthly payment.
- Determine you have the funds saved for your closing costs, I can help you obtain this from a potential lender.
- Find a loan program 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.
- 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.
- Survey fees. Home inspection fees, additional inspection fees such as roof, heating/ cooling and other options you may want.
