For Buyers
Ready to Buy a Home?
I would like to share some ideas with you about finding your future home,
including information on deciding on a community to live in and what to
look for during a walk-through.
When determining the neighborhood you would like to live in, please
consider its location approximate to your job as well as schools, public
transportation, shopping, museums, theaters and other attractions that
might interest you. Drive around the neighborhood and talk to residents.
Can you picture yourself happily living here? Most importantly, choose a
community where you feel comfortable.
Once you have narrowed your search to a particular area, come back to my
website to view the information and links we are compiling for you.
One of the questions you might consider is whether or not it is best to buy a new
home. There are pros and cons to new homes as well as old. Newer homes are
usually easier to maintain and more energy efficient. Older homes
generally have lower property taxes and are in more established
neighborhoods. On the other hand, older homes are likely to require more
repairs and upkeep.
It is best to evaluate each house based on what it has to offer. There are
many things to look for when walking through a home, including the
following:
* Is the house structurally sound?
* Is the construction quality up to your standards?
* Is there enough space for the present and the future?
* Does it have the desired number of bedrooms and bathrooms?
* Are you happy with the lot size?
* Do you like the floor plan?
* Does it include all of the minimum amenities for your lifestyle?
* Will your furniture fit in the space?
* Is there enough storage space?
We can help point out the pros and cons of each home from a professional
standpoint. Once we weed out the homes that do not interest you, we should
consider the details of the ones you like, including the amount of work
that needs to be done if you purchase the home. It is best to determine if
all of the mechanical systems and appliances work. Does anything need to
be repaired or replaced? Find out if the seller will do these things or
offer an allowance for the buyer to do them. If you are happy with the
details, we should go back to the final contestants for a second look.
This will help us select the perfect home for you. On average, homebuyers
may walk through fifteen houses before selecting one.
The more you keep me updated with your needs, the better I can assist you.
Please feel free to contact me with any questions or concerns. I can be
reached at -------------------------------
First Time Buyers
Buying for the first time?
Are you thinking of buying a home? Well, what are you waiting for? Let's
work together to start planning your future. I would like to help you do
what I do best -- find the perfect home for you. Here are a couple of
questions you might think about before we meet.
Are you ready to buy a home? Some factors to consider when preparing to
buy a home are whether or not you have a steady source of income and if
you have been employed on a regular basis for the last few years. Also,
determine how much money you have saved for a down payment and what would
be a realistic amount of money that you could spend on a mortgage each
month. There are additional expenses such as closing costs, taxes,
insurance and home owners' association fees that we should calculated as
well. I can help you do this. Let's schedule a meeting.
We should investigate the maximum loan amount that you would be able to
afford in order to establish the price range of houses to consider.
Lenders calculate your debt-to-income ratio, which is a comparison of your
expenses to your gross (pre-tax) income. Monthly mortgage payments should
probably total no more than 29% of your gross income, while the mortgage payment,
combined with other long-term debts (such as car payments) should probably not
exceed 41% of your gross income. The lender should also take into
consideration your credit history and cash available for a down payment
when determining your maximum loan amount.
Once we have agreed on the price range of homes to look at, next we should
discuss your needs. Think about where you would like to live and how much
space you would like to have. I suggest driving through neighborhoods you
are considering and attend local open houses to get an idea of what you
want. When deciding on possible locations, think about distance to your
job, schools, family, etc. It's best to make a list of your priorities,
such as location, size, and amenities. Determine the minimum requirements
that the house must have for you to consider it as well as a wish list of
perks you would like it to have.
I am dedicated to meeting your needs and the more information you can
share with me, the better I can serve you. Please contact me at
---------------------- to schedule an appointment so we can discuss more
about your dream home.
All information on this page is for your suggestion only and is not deemed
to be absolute. The decision to buy or not to buy is your own
decision. In all circumstances, we are not responsible for any
consequence(s) that may occur as a result of your decision to buy, or not
buy any property.
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