As your real estate agent I guide you step by step to assist you in purchasing your home.
Here are a few things we will talk about when we get started:
Meet with a mortgage broker and find out how much you can afford to pay for a home.
You may find you qualify for more than you want to spend right now but this will give you a guideline. I can give you a list of mortgage lenders in our area with great rates and terms.
If you are paying cash, you should have your bank prepare a letter stating you have the money on hand to purchase the home.
With a Pre-Approval letter or a letter from your bank stating you have the cash on hand, the seller knows you are a serious buyer and can afford their home.
Prioritize your Needs and Likes:
I like to suggest my homebuyers make a “Must Haves” and “Would Like to Haves” lists.
Your “must haves” could be…a first floor bedroom?, great schools, low crime, close to work…
Your “would like to have things” are items you could live without or things you could add later, like crown-molding or a home with a fence.
Representation by a Buyer Agent:
As your real estate agent, I am working for you, the buyer, not the seller.
Location. Location will influence your long term enjoyment of the home. Check schools, crime reports, future road expansions, utility easements, proximity to rails, airports.
Do your Due Diligence:
In NC, our Offer to Purchase Contracts have a due diligence period where you, the buyer have time to have your home professionally inspected, have a home appraisal done, get your mortgage loan approved, check out the schools, the neighborhood, crime rates and anything else that will effect the enjoyment of your home.
I have a complete list of suggestions for you as you enter into a due diligence period.
In NC, once you close on your home, all responsibility for anything broken is yours.
I’m here to guide you from the very beginning of your home search and long after you purchase our new home.
Please email me or call me directly to discuss your questions and concerns.
Pat Hensley 919-280-4567 firstname.lastname@example.org