Whether you're a first-time home-buyer or a seasoned veteran, buying a home can be an intimidating process. With lending guidelines changing every day to saving for a down payment or the more complex 1031 tax exchange, you need someone in your corner that fully understands real estate as well as lending. Fortunately, I have over 25 years experience in both so check out my preferred buyer program and see how you can benefit .
As a first time home-buyer, you'll want to read my blog posts and get comfortable with this big step. Feel free to check out my Buyer's Guide as well. Yeah, you'll have to trade me your contact info for it but it's a valuable resource and there are few other Realtors more capable to walk you through the lending and real estate process. Either way, you need to get "right with your money" before you start looking at houses.
As a more seasoned home-buyer, you may benefit as well from the Buyer's Guide and reading my other blog postings because it's probably been a while since you last did this. Also, lending has changed so much over the last 5-10 years so you'll want to be pre-approved also.
There's more to it than this page can handle but here's a list of things to consider:
The answers to everyone of these questions begets 2-4 more questions. It's like peeling an onion (even the crying part sometimes). The point is, you're going to have to get financially undressed before we know what you can afford. With my 25+ years experience in the mortgage industry, you can rest assured you'll get through the process safely and without excessive costs.
When you're ready, here's a list of paperwork/items you'll need:
By no means is this list all-inclusive but it will get you 90% of the way to the promised land. After you've compiled this paperwork, we'll need to talk. Ten years ago underwriters believed everything you said. Today, they don't believe anything. You have to prove everything, from a larger than normal deposit in your bank account to why you had a 2 month gap in employment. Knowing what an underwriter will ask for and knowing how to answer it BEFORE they get your file many times will be the difference between yes and no.
When you're ready, email me. Text me. Call me. Ask a million questions. Get comfortable. Know you're working with an ally. Once we're "right with your money" we can confidently bid on houses knowing we can close on time and guaranteeing the seller the same. Other agents know my offers have been vetted by a lender and they're more willing to accept my offers because of it.
Property has been completely updated and renovated like new. New stucco, New roof, New siding, New kitchen, New flooring and more. Possible RV access.
Listing courtesy of Tri-Star Real Estate Group.
Property has been completely updated and renovated like new. New stucco, New roof, New siding, New kitchen, New flooring and more. A must see. Possible RV access.
Listing courtesy of Tri-Star Real Estate Group.
Diamond in the rough -- Open floor plan with great room concept. Roof approx. 3 years old. Great floor plan. Fireplace in great room. Inside laundry. Spacious master bedr...
Listing courtesy of Lyon Re Roseville.
This home features 3 bedrooms, 2 baths, a 2 car garage and a large driveway. Lots of potential but Home needs TLC. Home needs a minor with paint & carpet. Appliance upgra...
Listing courtesy of Homecoin.Com.
Complete upgrade almost complete (pics coming soon!). 4 bdrm, 2 baths, living room & family room. New paint, cabinets, flooring, bathrooms, and fixtures throughout. Avail...
Listing courtesy of Exp Realty Of California Inc..
Very nice 3br 2ba 1215sqft. Nestled in a Cul-De-Sac, close to park and schools. Completely remodeled and updated with new paint, new carpet, new counter tops and both bat...
Listing courtesy of Keller Williams Realty-Yuba Sutter.
=== THIS IS IT! === Back on the market, Buyer could not perform! * Be home for the Holidays * Quick close possible * Great opportunity to own this spacious home in a quie...
Listing courtesy of Capital Realty.
PRICED TO SELL! Lovely starter home in nice area of Rosemont with 3 bedrooms.Central heat and air. Walking distance to Rosemont park. Upgraded Kitchen with black granite....
Listing courtesy of Integrity Real Estate Professionals.
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