Dear Friends and Future Homebuyer,
One of the Values I think of a Great REALTOR®
is to support my relationships with valuable resources to help you get through the process of buying a home .
The people I work with and partner up with are great to work with because we all have the same purpose and that is to do what we do best ,and collaborate as a Team effort to walk you to the end !
One of my Trusted Partners is Nicole. She is a great people person and talks in terms you will understand and guide you along the path of finances and finding what loan is right for you and the home you want to buy.
That is STEP 1. Getting the right kind of loan and knowing how much you will be able to borrow based on how much money you make and what kind of monthly bills,obligations etc and then determine how much money you have for a down payment.
All these sound like scarey things because noone ever likes to talk budget,bills,or debt. But really,its just the start of the conversation and the hardest part of the journey is taking the first step and getting over the nervousness of doing so.
Not everyone has the down payment saved, thats why we help you figure out which down payment programs are available,and factor all of these things in to see what your monthly house payment would be. Once we get all of this together you then know how much you can comfortably afford while still keeping your other obligations current.
As your REALTOR® and Lender Team ,
We dont expect you to be an expert in all of this, but we certainly are and we work hand in hand to get it figured out with you .
You never go it alone !
When searching for your first home, be sure to evaluate the features that are important to you such as the size and location of the house. After you have an idea of what you want, you’ll want to organize your finances to determine which of these features you can afford.
The following tips can help you get your finances in order:
1. Check your credit. Ensure that your credit report is up-to-date and accurate.
2. Evaluate income and expenses. You’ll want to get a good idea of the costs associated with owning a home. Consider your monthly mortgage and insurance payments, utility bills and upkeep of your home.
3. Organize documents. When applying for a mortgage, you may need to provide your credit report and documentation of your income.
4. Get pre-approved. We can work together to determine how much home you can afford so you can be a prepared buyer.
Contact me today at 405-476-3407 or [email protected] to further discuss the home-buying process and to begin your pre-approval.