For Home Buyers
Buying a home is an exciting time. And now is a great time to be buying a new home. With plenty of inventory on the market and historically low mortgage interest rates, owning a home is more affordable than ever. Your first move should be to find a REALTOR® - an experienced and knowledgeable agent to ensure that your new home and community meets your needs. 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
One question I will ask you is "Do you want me to be YOUR agent?" The answer to this question is important, because if the answer is YES, you will get the added value of my confidentiality and the benefit of me being able to share my opinions. Being your agent does not affect the price of the property, it just means you get the highest level of representation possible - and it is FREE! Texas provides the Information about Brokerage Services for consumers to help them understand some of the basics of "representation."
- Assure that you see all the properties in the area that meet your criteria.
- 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.
- Refer local service providers
Before You Start Looking For Your New Home:
- Check your credit rating. Straighten out any errors before its too late.
- Determine a comfortable monthly budget for your new purchase, including down payment and monthly payment.
- Find a mortgage lender that meets your needs and get pre-qualified (preferably pre-approved).
- Identify where you want to live and what community services you require (shopping, schools, entertainment, work commute)
- Determine what neighborhood best matches your needs.
- Identify important features you need your new home to have.
- Contact me so I can start looking for a home to meet your needs.
- Lender fees include:
- charges for loan processing,
- underwriting,
- preparation and establishing an escrow account.
- Third-party fees include
- charges for inspections,
- insurance,
- other inspections such as for termites.
- Government fees include deed recording fees.
- Escrow and interest fees include:
- homeowner's insurance,
- loan interest,
- county property tax prorations,
- and occasionally private mortgage insurance (PMI)
