Whether you’re looking for your dream home, a first time home buyer or an investment property, we have a unique and particular set of skills and resources to help you secure your set of keys to your new home. These superior skills will allow you to get from where your are now to where you want to be. Buying a home can be exciting, but also time-consuming and costly if you’re unfamiliar with all phases of the process.
One of our specialties is representing the best interests throughout your home buying process. Our comprehensive, high-quality, unique system is designed to save you time and money. We strive to make the process an enjoyable experience. Buying a home is a big decision so put our expertise and experience to work for you.
Before you start shopping for a home, take a good look at your budget. Find out how much you can afford to pay each month. It's important to look in a price range that fits your finances. Begin to clear up old debts, improving your credit score if necessary and building up a savings for a down payment. Generally, your monthly mortgage payments shouldn’t be much more than approximately 28 percent of your monthly gross income. To help determine whether you qualify for a mortgage and what the rate will be, your lender evaluates your credit report and your debt-to-income ratio, which is the relationship between how much money you owe and how much money you have coming in. Once your'e pre-approved meaning your lender has assessed your ability to pay back your loan. Knowing exactly how much you are approved can for help you stay within your budget. Don’t forget to include other cost that will arise during the process like: Title insurance, appraisal, repairs, inspections, contingencies and other fees.
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