Purchasing a home is one of the most important decisions you’ll make, and the right advice and guidance are paramount. Experience and expertise matter and they can make a significant difference in making sure that you not only find the right house but that you also pay the best price.
I not only have a thorough understanding of the marketplace but I also have access to many off-market properties and awareness of properties that are about to be listed. Most importantly, I am keenly aware of the nuances that determine value and I am discerning as to construction quality, materials, and craftsmanship. I will listen to your needs and find you the perfect home and I will make sure that you make an educated and informed decision. Once you choose a property I will represent your interest tenaciously throughout the purchase process, negotiating the best possible purchase price, managing and advocating for you during inspections, escrow, title, and closing. I will also advise you on how to make the house even better, including furniture and design, and possibly remodel ideas and augmentations where beneficial.
Before you start shopping for your property, it is a good idea to make some preparations.
PREPARING TO BUY
A green file contains all your important financial documents. You will need it to secure financing for your property. The typical green file should contain:
-Recent pay stubs
-Tax returns for two years
-Copies of leases for investment properties
-401K statements, life insurance, stocks, bonds, and mutual account information.
Check Your Credit Rating
Your credit score will have a huge impact on what type of property you can buy, and at what price. It is first recommended to check your credit rating with an experienced lending institution so that I can determine what you can afford. The lender will research your credit ratings from the three credit reporting agencies Equifax, Experian and TransUnion. I will be happy to recommend experienced, knowledgeable lenders in the residential, construction, commercial and investment real estate fields.
Be Careful With Your Finances
Now is not a good time to make sudden career changes or large purchases. You want to approach your property purchase from a position of financial stability.