The Perfect Home is [insert adjective here].
The perfect home is different for everyone, so why is the home search process the same for everyone??
It doesn't have to be.
The home buying process should be tailored to fit your style, pace, and personal preferences. I will work with you every step along the way to ensure that you find and buy a home in a way that is comfortable for you.
Hate the internet? No problem, we can meet in person to review properties. Work strange hours? No worries, I can preview homes during business hours for you. Is texting the bane of your existence? No fear, I still understand the value of a phone call. I will work with you in a way that works for you.
Don't know what to expect?
Don't worry. That's where I come in.
Hiring a Real Estate Agent
Sure, you could go about it on your own, but you'd be cutting yourself short.
Real estate agents have access to non-public information, which allows them to have a much more accurate sense of the market and of a home's value. Without all the facts, it is easy to overpay for a property... Don't let it happen to you!
Negotiating skills can be the difference between getting a house and missing out. A good real estate agent will do everything in his or her power to make the transaction go through on the best possible terms.
Buying a home requires a lot of paperwork. It is easy to overlook important details, so having someone there to maintain, organize, and prepare all relevant documents will make the process much more seamless.
It's our Job
Day in, day out, real estate is what we do. Hiring an expert to assist you in such an important transaction is the best way to set yourself up for success.
Buying a house is already expensive! Do I have to pay my real estate agent's commission?
No! The seller covers the commission for both the buying and selling agent, so as a buyer you don't owe your Realtor a commission - put that savings into furnishing your new house!
Should I determine my financing options before or after I start looking for a home?
This cannot be stressed enough - the best time to get your financing squared away is BEFORE you start to look for homes. Most sellers won't accept an offer without a pre-approval. If you find the home of your dreams and it takes you a week to get approved, you could lose the home to someone else who already has their financing worked out. Do yourself a favor and speak to a mortgage specialist before you start your home search!
How much can I afford to spend on a home?
Connecting with a knowledgeable Mortgage Consultant is the best way to learn about the process. Molly can connect you with experts who can walk you through the mortgage process. More information on mortgages can be found by clicking here.
What other expenses should I be prepared for?
While in the long-run it is economically wise to buy vs. rent, it is important to budget for a variety of expenses that are incurred when purchasing a home. These costs can include:
- Inspections prior to purchasing the home
- Title Insurance
- Property Taxes
- Loan Origination Fees
- Homeowner's Insurance
No Maintenance or No Neighbors?
Buying a home is a lot like dating - what works for some people just doesn't work for others. There's no need to settle for the wrong one when the right one is out there!
Say Hello to "Condominium"
Hi, I'm Condominium. Let me tell you a little about myself. In the looks department you could say I'm a little vanilla - I get the "Do I Know You?" question a lot - I guess you could say I look like lots of other places. I'm super low-maintenance and you won't have to worry about me when you leave me to travel for weeks at a time. I'm pretty risk-averse; my value won't ever skyrocket, but I'm a safe bet for long-term equity. I'm a rule-follower and enjoy having expectations laid out for me. The biggest risk you'll take with me is with the people around me. Sometimes they're great and sometimes they're awful, and you can't do much to control it. I'm a lot more affordable than others out there, but I do expect that you pay each month to maintain our relationship and all the amenities I provide. If loud parties and big backyards are your thing, I'm not for you, but if convenience and affordability strike your fancy, I think we'd get along just great.
Allow me to introduce "House"
Hello there, I'm House. The best way to get to know me is by visiting me, because I'm different than all the others. If you have lots of tools and like projects, I'm definitely the one for you. You can change me any way that you'd like, but it might cost you big bucks. Keeping me around might be more expensive, but one day I might be a lot more valuable than I am now. People who are independent are usually most attracted to me - they get to do what they want when they want and don't have to follow any rules. When something goes wrong with me, however all the responsibility will fall on you - there's no one else to help you with the cost. I don't appeal much to avid travelers or people with crazy schedules, since it takes a lot to maintain me. If you don't want a long-term commitment and responsibility, we may not work out, but if the thought of having me all to yourself excites you and you want a unique aesthetic, then I think we would make a perfect match!
There's only one thing standing between you and your dream house - The Mortgage.
Choosing the right mortgage terms can save you thousands over the life of your loan, and even enable you to afford a more expensive home. Work with a professional from the beginning to ensure you make the best choice in your mortgage decision.
There are many factors that influence how much you can qualify for, and what you can afford depends on:
- Credit Score
- Debt-to-Income Ratio
- Gross Household Income
- Monthly Expenses
There is no exact formula that you can use on your own to determine how these factors will play into getting qualified, that's why it is important to speak to a Mortgage Consultant at the beginning.
To find out your financing options you can contact:
American Pacific Mortgage