• I know the local market and can quickly narrow it down to a few areas where you are likely to find your home at the price you want.
• I can save you time by doing a lot of the legwork. By knowing your needs, I can eliminate homes that do not meet your criteria.
• I will make appointments, preview homes with you and help you determine the pros and cons of each home.
• I can help you maximize online home search tools available to you on Windermere.com.
• I can provide information and make appointments to see almost any property listed for sale. A home does not have to be listed by a Windermere agent in order for me to get detailed information or an appointment to view.
• Once you find the home you want to buy, I will guide you through the negotiation, legalities and details of purchasing a home.

How much home can you afford?

There are a wide variety of loan 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 income
• Your assets
• 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. Typically, you will need to provide pay stubs and your W-2, and if you are self-employed, you may need to provide copies of your tax returns.  The required down payment varies according to the loan program. There are several affordable options for borrowers. Closing costs are associated with finalizing the transaction and include the appraisal fee, loan origination fee, title insurance, escrow services and legal recording of documents. Each loan is different, so it is important to discuss these fees with a mortgage expert.  All lenders review a borrower’s credit history to determine the type of credit used, the amount owed and the borrower’s history of repaying debt. When you speak with your mortgage professional to figure out how much home you can afford, it’s also a good idea to get preapproved for a mortgage before we start your home search. This will help us narrow your home search to a price range that’s comfortable for you, and being preapproved also makes for a stronger offer in the eyes of sellers.  

My Goals:

• 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