Many 1st time home buyers may be shy about asking a Realtor for help in buying a home, because they don’t know what it will cost them. As for my own policy — my buyers pay me NOTHING.  Here’s some of what I can offer — especially 1st Time Home Buyers – who I LOVE to work with!

• In our first discussion we’ll cover many of your questions about buying a home; what to do first, why you want to buy and what you’d like to find.  But most importantly, I’ll refer you to a couple of loan officers who can pre-qualify you for a loan.  That is always the #1 thing to do so that you’ll know before looking at houses which ones you can qualify to buy!
• Your meeting with a loan officer will be confidential — between you and them.  They will be able to go over your application with you and if — darn it — you need to improve your credit score to qualify, they’ll give you good advice on what you’ll need to do and how long it should take.  They can give you a “good faith estimate” to let you know what to expect the costs of the loan to be and what your new house payment would be on a certain purchase amount.
• Your loan officer can then send me a letter of approval, just letting me know we’re good to go out shopping!  Let the FUN begin!  Perhaps you’ve already been online dreaming of what your first home will be… I’m now able to do specific searches for you based on your needs and price range, sending you emails or handing you print-outs with all the major details — including addresses of each home.
• We narrow down our shopping list to the top homes that catch your interest, I’ll line up the appointments for all of them — now let’s hop in my car and go shopping!  Take notes if you want to remember details of each home clearly!
• We never know how many home tours it’ll take to find THE RIGHT ONE, but as soon as we do, it’s  back to the office to write up your offer!  Plan for an hour minimum for this, as we need to cover the details to write the very best offer in your best interests!  I take pride in being thorough!
• If we have a seller who wants to counter your offer, you’ll be glad you’ve got my services.  Negotiating is one of my strong points, and I help you to do it without getting emotions flaring between buyer and seller!  We’ll work to reach an agreement that works for all.
• Now that we have an accepted offer, there will be a list of items to check off before closing on your new home — these include a home inspection, providing the lender will all of the necessary details in order to get your loan and appraisal going, contacting the title company and arranging the closing date/time, lining up your new utilities and insurance, etc…
• DO YOU QUALIFY FOR THE $8,000 TAX CREDIT?  I’ve got all of the details and can help you know for sure!  Buying now is even more exciting, knowing that soon you’ll be getting perhaps the largest tax refund of your life!
• IT’S AN EXCITING TIME!  When you don’t have to personally worry about all of the little details I’ve just gone over here, you will love the experience of buying your first home… it will feel like all you’ve had to do is tour homes, find the right one and move in!  So give me a call today and let’s get MOVING!