Outline of the Buying Process

•  Select a REALTOR ® •  Determine your wants vs. your needs •  Review and discuss financial issues with a loan officer •  Supply REALTOR ® with copy of pre-qualification letter •  View homes meeting your specified criteria •  Submit an offer to purchase •  Ratification of purchase offer (acceptance by all parties) •  Loan application •  Property inspection •  Title search •  Appraisal •  Loan approval •  Closing (also called Settlement) •  Documents are recorded

Useful Links Mortgage Calculator Amount borrowed: Interest rate: Term of loan: 10 years 15 years 20 years 30 years custom (months)   Estimated monthly payment:

Looking for mortgage rate information? Click here for an online calculator you can use to figure out how much house you can afford. Click here for helpful information on home buying from the US Department of Housing and Urban Development.

BUYER'S REPORTS -Save Time and Money-

When making one of the most important transactions of your life you will want to make an informed decision. Its my job as a real estate professional to provide you with quality information. The following FREE reports are available to you with no obligation. Simply send me an email with your name, contact numbers, address, email and the name of the report/s to let me know which reports that you are interested in and I will send them to you. - 8 Steps to Getting Your Finances in Order - Budget Basics Work Sheet - 8 Ways to Improve Your Credit - Your Property Wish List - Tips on Buying in a Tight Market - The Pros and Cons of Condos - 5 Reasons You Need a REALTOR® - Questions to Ask When Choosing a REALTOR® - 10 Steps to Prepare for Homeownership - How Big a Mortgage Can I Afford? - 7 Reasons to Own Your Own Home - 5 Common First-Time Homebuyer Mistakes - 10 Tips for First-Time Homebuyers - 10 Things to Take the Trauma Out of Homebuying - How High Tech Is Your Home? - Hidden Home Defects to Watch For - 10 Questions to Ask a Home Inspector - What Your Home Inspection Should Cover - How Comprehensive Is Your Home Warranty? - 5 Property Tax Questions You Need to Ask - 10 Questions to Ask Your Condo Board - 10 Questions to Ask Your Lender - 10 Things a Lender Needs From You - 6 Creative Ways to Afford a Home - Choices That Will Affect Your Loan - 5 Things to Understand About Homeowners Insurance - 10 Ways to Lower Your Homeowners Insurance Costs - 5 Things to Understand About Title Insurance - What Not to Overlook on a Final Walk-through - Common Closing Costs for Buyers - What to Keep From Your Closing - Tips for Packing Like a Pro