A Different Approach

GENUINELY COLLABORATIVE AND CONSULTATIVE

Home is from where our lives begin and end each day. It is our refuge. If you are like most people, you might be nervous about the process, anxious about moving, stressed about money, concerned about the future. I get it! I’ve been there myself a few times, and I have helped many people to successful outcomes.

If you are like most people, you want a consultant in this process. You want an ally who will help you buy the best home for you, not strong-arm you into a home you should want. You don’t want to be “sold” a house. Instead, you want to buy one that makes you the hero in your family.

My role as your Buyer’s Agent is to help you through these 5 PHASES IN THE HOME BUYING PROCESS.

Certain things count more than others. Some features rank higher on your priorities. It’s my responsibility to help you make the most accurate list. There are three criteria every buyer uses to find their home.

Location – Lifestyle factors like commuting distance, school district, recreation, the nearest grocery store and other retail, favorite golf course or hiking trail, and other quality of life topics.
Price – Knowing what you can afford is critical. More so, with mortgage rates at historic lows, the changing rates can affect your monthly mortgage payment. This means that you might be able to afford more house when rates are low.
Style/condition – Factors like a multi-story or one-story Ranch style, age, total square footage, floor plan, numbers of bedrooms and bathrooms, updates, finished basement, a yard.

I’ll support you in determining what matters most – to you.

Education & Resources

Buyers who are wise discuss their financial situation with a reputable lender and get a loan pre-approval.

A pre-approval creates an opportunity for you not just to understand what you qualify for but to decide what you can afford. Pre-approved financing keeps us on the straight-and-narrow regarding looking for homes in the right price range and monthly payment.

Loan pre-approval boosts your credibility with sellers. Having a pre-approval greatly enhances your negotiating position – especially in a competitive market.

Yet, pre-approval means nothing without the right financing. Are you planning to be in the house for only three years? A five-year adjustable-rate loan may save you thousands in monthly payments. Need to minimize cash out of pocket? Lender-paid closing costs may be just the ticket.

Whatever your goals, I can connect you with reputable lenders to explore options that align with your circumstances.

Education & Resources

Lender Interview Guidelines - Read this post for some guidelines and suggestions to help you select the right lender and loan for you.
Pre-Approval vs. Pre-Qualification

The criteria in Phase 1 help determine the properties we search for and the homes we initially view. Using a simple elimination process rather than the often frustrating selection process, we remove the homes that don’t work for you.

Most buyers do a bit of leg work before contacting an agent, and I welcome this collaborative process. Using the best tools available to me powered by state-of-the-art technology, my goal is not only to uncover properties in neighborhoods you’ve earmarked but also point you to hidden gems you may not even know are there. Look inside from the comfort of your kitchen table or desk, or mobile device. Together, we will expand your horizons and contribute added insight, knowledge, and power to your search.

By the way, viewing homes you don’t like is not a waste of time; it helps build a frame of reference to help you find what you do like and want.

Education & Resources

Online Home Search - Search for homes right here on my website. There are no advertisements, the MLS is updated continually, and you can create an account to save searches, set up alerts, save and rank homes, add comments, and more; all of which helps me understand your wants and needs in order to help make your home happen!
Recolorado Home Search App - Connect with me through the REcolorado® mobile app. Easily get FREE access to the MLS® right in the palm of your hand. Search for your dream property in your favorite neighborhood and still get my real estate expertise.
How Many Houses Should I See Before Buying?

You’re ready to buy. Now what? I advocate for you throughout contract preparation, earnest money delivery, negotiations, home inspection, final walk-through, all the way to closing.

Buying a home requires striking a deal beyond price: possession terms, inclusions and exclusions, inspection contingencies, appraisal, and much more. There are significant opportunities to make the contract safer and more favorable for you. Information is power if used well. Uncovering what you don’t and must know about the home. You want a guide to help you understand every detail.

Education & Resources

We schedule a final walk-through of your new home just prior to closing to ensure it is in the same condition as when you went under contract and confirm all items agreed to stay or go. The closing and possession phase is also the time to verify the completion of any negotiated inspection items.

A typical closing takes 60-90 minutes. Before the closing date, I review with you and explain some of the documents to be signed and also help you with others at the closing. I guide you through them all.

Upon the conclusion of all paperwork and transfer of deed indicating ownership, you receive the keys, garage door openers, and any documents/warranties that convey with the home. You will then be the rightful new owner. It’s time to move in!