When purchasing a home, you are faced with numerous decisions. The primary one is whether you are actually prepared to purchase a home. Locating the perfect home is not always an easy task, and obtaining a mortgage loan can be a complex and tiring process. But once you have determined that you are ready to move forward with your home-purchasing goal, the rewards are unquestionable.
At your side each step of the way, we will make the process of purchasing a home more enjoyable, less time-consuming, and less expensive than if you undertook doing it on your own. Purchasing a home will most likely be the largest investment you will ever make and for that reason we are dedicated to helping you through the myriad of details that are involved.
We are always up-to-date with the current homes on the market and because and we know neighborhood values, we can help you determine which properties are fairly-priced and in good condition before you start your search.
First ask yourself why you want to buy a home: to stop paying rent? To start building equity? To have a place of your own? To raise a family? To entertain business associates? To move up to a bigger house?
Next, think of yourself as zeroing in on a target, going from the general to the specific. Consider area (city, suburban neighborhood, country); community (north, south, east, or west side); neighborhood (older and settled or brand new; a particular school zone; recreational facilities; and other community services such as transportation, day care, library, stores, entertainment). Ask yourself how many minutes you are willing to commute to work.
Finally, think about home styles. How much space do you need? Does your situation require a one-level home, or are stairs acceptable? Consider size and kind of property. Do you want a newer home, or maybe an older one to fix up? Someday you or your heirs will want to sell. Consider how long you expect to live in this particular home.
Be specific. Separate the "must haves" from the "want to haves."
Once you have addressed the above, your next step in the purchasing process is to get pre-qualified with a mortgage company. This can be done over the phone or online in a matter of minutes.
Give us a call and we can refer you to a mortgage professional that has an excellent reputation and track record for successful loan approvals for his or her clients. (Further information can be found on our Mortgage Calculator Page). This is a very important step as it allows you to focus on your specific price range, therefore making your search easier and less stressful.
Make two lists. The first should include items you must have (i.e., the number of bedrooms you need for the size of your family, a one-story house if accessibility is a factor, etc.). The second list is your wishes, things you would like to have (pool, den, etc.) but that are not absolutely necessary. Realistically for first-time buyers, you probably will not get everything on your wish list, but it will keep you on track for what you are looking for.
Once you've been pre-qualified and know what price range you want to stay in, we can help you determine which properties fit your needs by using the (MLS) Multiple Listing Service system to locate them.
We have the best possible resources and communication systems available today to help you locate the homes on the market that match your specifications. You can begin by searching all MLS listings here at our website.
Our top priority is to make sure that your home buying experience is pleasant, cost-efficient, and successful.