Why Buy With Us?
We are your partners through the entire buying process – after all, this is the most important purchase you’ll ever make!
Our team has the experience, knowledge and technology to help you find what you’re looking for. Our custom-built home-search website pulls directly from the MLS and can send updates immediately to our buyers when a new home is listed or a current home changes its price, so you’re the first to know.
Call today to find out why we are your first choice for buying your next home!
First time buying a home? Don’t worry – our team is able to take you through the entire process from start to finish. There are many first-time home buyer programs and lending options. We’re happy to make recommendations and point you in the right direction.
We’re proud to help seniors find a place for their needs. There are many single-floor living options in our area which suit the needs of Seniors. We know transitioning to a new residence and environment can be challenging, but we are here every step of the way – from preparing the home for sale, to finding the next home.
A pre-approval letter is one of the most crucial items needed to purchase a house! It shows you’re a serious buyer and can afford the home you are submitting an offer for.
Time to shop
We can help you narrow down a needs/wants criteria list — Is it important to think about the often-forgotten criteria such as commute time, and questions like: Do you need an elevator? Is there a restricted HOAs? It’s helpful to drive the areas — get to know the neighborhoods, subdivisions and complexes. Is this an area you would like to own property? Are you looking for a walk-able neighborhood? Close to downtown, museums, coffee shops, restaurants, bike trails, or a park nearby?
There are so many ways to do research directly from your device, but there is nothing like seeing in person. Remember, marketing is geared towards giving the “best foot forward” on a property. You may not see the big power lines right off the back yard. Once you get your top priority needs/wants list, do your area drives — it’ll help you only focus on what will be the best fit for you.
Once you connect with our team, we can recommend local lenders who have proven affordable, reliable and trustworthy.
Added costs – thoughts when shopping:
Is it an elevated home? Some areas need flood insurance. Does it have a homeowner’s association fee, a condo-high rise with condo fees, or assessment fees? These costs can affect your monthly payment. We can do the research for you and consult with your lender and insurance provider to see how it affects your payment.
Block, stick-built? High impact windows? Cosmetic fixer? Need a complete overhaul? How would this affect your loan or insurance? Do you want to invest in flips? Do you need a rehab loan, or do you need cash? Do you have a construction team ready to go? Consider the carrying costs — Each month there are recurring costs from the time you close on the property until you sell. It’s important to factor in these costs when doing your analysis. You will need an experienced agent that understands the ins-and-outs of home buying and flipping.
make an offer and negotiate
You have found the right property and need to make an offer. You have your lender’s pre-approval letter in hand, know the amount you can offer, with a payment that fits your financial plan and what out of pocket expenses you can make. We can help you make a strategic plan with your offer to fit your needs. Should we ask for a home warranty? Help with closing costs or a new roof? We can structure the terms of your offer based on the current status of your desired property to work within your financial criteria, property condition needs, and length of time needed to close.
With this large investment, due diligence is key on a property that you do not have firsthand knowledge of condition and history. Let’s find out what we can about it. We get licensed inspectors to do a thorough inspection, including plumbing, electrical, HVAC, appliances, roof, wood destroying-organism (pest) inspection. Is there a garage conversion that has not been permitted? We need to know if the work has been done by a licensed contractor, up to building code compliance, and meets required standards.
Escrow and Closing Costs
When you purchase a home, there will be closing costs which include fees for processing, title insurance, closing, title search, mortgage taxes, appraisals, and more. Within closing costs, there are third-party fees that come from companies that don’t work for mortgage lenders yet provide essential services like escrow.
Escrow is when an impartial third party holds on to funds and distributes them accordingly to process a transaction. This fund, also known as earnest money, is a form of good faith that the buyer will hold for the seller if they breech the contract. Please consult an attorney if you have a question.