Buying a home is an exciting time in one's life.  Making the smart move of  choosing a Realtor is your first step to ensuring that your new home and community meets your needs.  My services and experience range from fiancial aid to helping you with the homes that best suits you and your family.  For your convenience I also provide listing by email.  I pride myself on repeat business and hope you will come to understand why.  See the "HOME SEARCH" section of my home page for a complete home search!

As Your Agent, I will:

1.) Assure that you see all the properties in the area that meet your criteria.

2.) Guide you through the entire home buying process, from the finding homes to look at, to getting the best financing.

3.) Make sure you don't pay too much for your new home and help you avoid costly mistakes.

4.) Answer all you questions about the local market area, including schools, neighborhoods, the local economy and more. (See my front page: Area Information Tab.)

BEFORE YOU START LOOKING FOR YOUR  NEW HOME:

Check your credit rating.  Straighten out any errors before it is too late.

Determine a comfortable monthly budget for your new purchase, including down payment and monthly payment.

Find a loan program that meets your needs and get pre-qualified.  (Preferably pre-approved.)

Choose a Realtor that you trust and who understands your needs.

Determine what neighborhood best matches your needs.

Identify important features you need your home to have.

Closing Costs to Expect:

Lender Fess include charges for the loan process, underwriting, preparation and establishing an escrow account.

Third-Party Fees include charges for insurance, title search and other inspections such as termite, home inspection.

Government Fees include deed recording, state and local taxes.

Escrow and Interest Fees include homeowner's insurance, loan interest, real estare taxes and possibly mortgage insurance.

FIND OUT HOW MUCH YOUR CLOSING COSTS COULD BE.