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Purchasing Your Home

Any major purchase requires research, careful analysis, consideration, and thought. Home buying isn't any different! Determining the right location, the number of bedrooms or bathrooms needed, and outdoor space is the easier things. However, there are many other factors to think about in your home search. From your initial search to the moment you get the keys to your new home, I will be there, guiding you through the process. I can even help connect you with mortgage professionals to get the best rates. 

As an area expert, I can help educate you on the different neighborhoods, schools, and other local community amenities that suit your lifestyle. 

Purchasing Your Home


Home Buying Can Be Easy
As your buying agent, I can help streamline the process of buying a home and make it easier for you. I’ve aligned myself with the top professionals in the industry, and once an offer has been accepted, I will personally help facilitate the process to close on the home. By working closely with mortgage brokers, title and escrow companies, home inspectors, and home warranty companies I will provide you with the best service possible!

Home Buying Process

FAQ's

I am trying to improve my credit before buying, should I wait before doing my pre approval application with a lender?

A: We have found that in many cases buyers will use apps from their banks, and third party vendors like Credit Karma to name one example. This may not be the best indicator for when to apply for a home loan application and pre-approval letter and here is why: I personally have seen up to a 30 pt. increase in my mortgage credit score versus my consumer credit score! Why you ask? 

“For example, let's say you're going to buy a house. When mortgage lenders review your credit history, it's likely they'll use a credit score formula tailored to determine what kind of risk you'll be for a mortgage loan. The formula may weigh pieces of your credit history differently in order to test for that risk factor. The same may be true if you apply for an industry-specific line of credit, such as a personal credit card or an automobile loan.

Your credit scores might also differ based on which credit reporting agency your lender uses. Since each agency independently determines your credit scores based on the information in their individual databases, there may sometimes be slight differences. Some lenders also only report to one or two credit reporting agencies, which means your credit history could look different from agency to agency. Additionally, your lender might be viewing a consolidated score that draws from all three credit reporting agencies or even using their own in-house scoring model.

When you check your own credit scores, on the other hand, what you generally see are educational credit scores, meaning they are intended to give you a close idea of your scores for informational and monitoring purposes. While they are a good way to gauge your credit rating, you may not be seeing the exact same numbers as your lender."

Source

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Contact us today to find out how we can be of assistance to you!