Buyer's Guide

Determining your budget is crucial in your home-buying journey. This isn't about how much a lender will offer, but what you're comfortable spending. Mortgage companies often pre-approve amounts exceeding what buyers can afford. Establish your ideal monthly payment before approaching lenders. Create a comprehensive household budget, consider lifestyle changes after moving, and account for new homeowner expenses (i.e. HOA fees, etc). Remember, your mortgage is just one piece of the financial puzzle. Factor in all potential costs to ensure your dream home doesn't become a financial burden. By setting a budget aligning with your goals and comfort level, you're laying a solid foundation for sustainable homeownership. This approach helps you navigate the market confidently and find a home that fits both your lifestyle and finances. Your budget isn't just a number—it's a roadmap to your future financial well-being.

As your dedicated Buyer's Agent, I'll transform your home search with my local market expertise and insights going above and beyond online listings. My extensive network of contacts - from brokers with pre-market listings to trusted mortgage pros and attorneys - will give you an edge. I'll streamline your search by curating options that match your specific criteria and efficiently manage property viewings, saving you a boatload of time and stress. My negotiation skills can secure you better terms and help avoid costly pitfalls. From initial search to closing day, I'll be your guide and advocate, ensuring a smooth, informed process every step of the way!

Once you feel good about having found your ideal home, we’ll work together to craft a fair offer based on the value of comparable homes on the market. Depending on the home’s listing price and whether the current environment is a buyer’s or seller’s market, your offer may be below, at, or even above the asking price. We may find that there are multiple offers and that’s ok. We can get creative in crafting a mutually beneficial counteroffer and one that presents you as their ideal buyer for the chosen property. At this point, the house will go into escrow.

Now is the time to go back to the mortgage lender who pre-approved or pre-qualified you to choose your mortgage and review all the details. You will be presented with various options based on your unique financial situation. The mortgage lender will work with you to assist in the selection of the option of which you feel most comfortable.

We’ll do a pre-settlement walk-through to ensure that what was to remain in the home is there and that the condition of the house is what was agreed upon. Few people look forward to all the paperwork involved in buying a home, but it’s a necessary part of the process and really isn’t as bad as it sounds. Fortunately, everything will be arranged by your lender and title company and, when you’re finished, you’ll be the legal owner of your new home!