Thanks for visiting my web page. I want you to feel free to contact me if you are looking for that dream home or if you are searching for that tenent occupied property to supplement you income.

  I pride myself on keeping in close contact with my customers. Good communication is the cornerstone of a good relationship. You can get in touch with me 24 hours a day by e-mail or cell phone.

  Everyone of my clients are unique and that is exactly how I treat them.You can depend on personal and professional service from me.

STEPS TO PURCHASING A HOME

1. Make the decision

     Many people are deciding to purchase a home while the interest rates are still low.

2. Seek Professional Help

    A professional REALTOR will start you down the correct path for home ownership. I can help you get pre-qualified for a loan. This will aid us with the next step. I suggest at this time ,you work with your lender to get a notice of loan approval from an underwriter. If you are going to finance your home, you will have to proceed with a loan approval sooner or later and having a loan approval makes you a much more attractive buyer. A "loan commitment" that has multiple conditions to it does not give the seller any more assurances that a pre-approval letter. When you make a loan application, you will receive a "Good Faith Estimate" of closing cost. This will ally stress later.

3.Begin The Hunt

   I will do the searches and set up appointments for you to view properties that fit your wants and needs. You will not  have to spend your time searching web sites for homes that do not fit your desires. As we tour homes ,your wish list may change and then we can narrow the search and find your new home.

4. Know The Market

   Knowledge of the local market is essential.An agent from outside the area does not know the schools, shopping areas or any pending changes to the locale. I also will know when a certain area is "hot" and requires swift action and when an area allows for thoughtful consideration.

5. Find Your Dream Home

   It will happen and when it does, I'll help you put together your offer. "Earnest Money" also known as "Good Faith" money usually accompanies the offer. This money applies to your closing costs. If your offer is accepted, the closing should be in 30-45 days depending on your financing. If the offer is rejected, you will be refunded your earnest money.

6.Negotiate The Deal

   It is common to receive a counter-offer. We will discuss it and I will explain your options.

7.Finalize Your Loan

   Since you already have a loan approval, this process should be stress-free. Once the inspections and appraisals have been done, we should be able to move on to closing.

8.Close The Deal

   Since you already received  from your lender a"Good Faith Estimate" of your closing costs at the time of your loan application, there should not be any surprises at this time. We will go over the closing statement and I will answer any questions you may have.

9.Move Into Your New Home