In every real estate transaction there are buyers and sellers. Our attention is focused mainly on buyers. We pledge our loyalty and confidentiality to the folks we work with. We will concentrate our efforts to help you find and buy the property that is right for you. All you need to do to get started is to let us know what you are looking for and we will get the process started!!
Prior to your search, you need to be pre-qualified of have verification of the funds you need to purchase your new property. If you can verify the funding, the process can begin immediately. If not, you will need to contact a mortgage lender for pre-qualification. Pre- qualification will allow you to determine the type of property you can afford.
When beginning your search, there are several things that may help the process go smoothly. First of all, it is an excellent idea to clearly define the type of property you desire and can afford. If you are able to do a pre-showing drive by, you can get a better idea of the curb appeal of the property and its location. Once you narrow your search and define those properties you really want to see, contact us and we will schedule the showings and accompany you on the walk-through. We will provide with a user-friendly checklist to rate each property, helping you make your choice. Once you have decided to make an offer, we will provide the expertise to complete the transaction with you.
Don’t make any major purchases such as a new car, expensive electronics or appliance, or anything else that you cannot pay cash for. The extra payments may prevent you from getting a loan. Don’t move money from one account or investment to another. One of the things a lender is concerned about is the source of funds for your down payment and closing costs. The lender will ask for statements for the last 3 months for all your bank and investment accounts and even your company 401K and retirement accounts. Lenders like to see what is referred to as “seasoned money”, that is, money that has been accumulating in an account over a period of months or years. If your bank account has a large deposit that was made less than 3 months ago they may think the money was a loan from a relative who is trying to help you qualify for a loan. Then you will have to prove where the funds came from which can be a time consuming process. Please, leave your money where it is until you talk to a loan officer. And don’t move a significant amount around without letting the lender know about it in advance.