• Check Your Credit
  Your credit is crucial when applying for a loan; the better your score, the lower your interest rates will be. Be sure to check all three major credit reporting companies: Experian, Equifax, and TransUnion as the information in each report may vary slightly. Make sure you make copies of your credit report as well, and check your score well in advance of applying for loans.

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• Find a Lender
  Most people need to take out a loan when buying a home, and you’ll want to be prepared to make an offer when you find that perfect home. It’s important to be sure that you’re approved for a loan before you start looking at homes so you don’t miss out on any opportunities. Knowing your numbers is powerful not only the purchase price you can afford but what that means to you in a monthly payment. If you need help finding a lender, we can recommend trusted lenders near you.

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• Price Range
  Calculate what’s realistic for you before considering different areas to live in to be sure things stay within your budget. Once you know your range, we can help you make the most out of your money. Be careful about shopping at the top of your price range- you may not be able to compete in the instance multiple offers drives the price up even higher. Days on market is a great indicator for where a house will land - the more time a house sits on the market- the better chance you have for getting a lower price. The less time - it is likely to sell for over asking. 

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• Research
  Finding the right home can be time consuming, but it’s important to consider everything before you decide. What’s the commute like to work? If you have kids, what are the schools like in the area? How many bed and bathrooms will you need? Do you prefer or newer or older styled home? All are important factors to take into account during the home finding process. Ask me about Compass Collections- my buyers love this search tool! 
  
  We are dedicated to helping you through the entire home buying process. Once we find that perfect home, we will prepare a written offer. With my experience in the market, we can help you arrive at an offer that both fits your budget and has the best chance of being accepted with creative terms and leveraging relationships with other agents in the area. 

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• Once Your Offer is Accepted
  After your offer is accepted, you’ll have a grace period to have the house professionally inspected and request repairs or credits if the situation arises. We will also navigate appraisals and loan hurdles.  Once these steps are complete, we will verify the terms and conditions of your loan, and assist you in signing your papers. I’m here to assist you with any questions you may have during the process and will hold your hand every step of the way. 

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• ​Moving Time!

Now that you've found your perfect home it's time to make moving arrangements. If you plan on utilizing a professional moving company, we can recommend reputable, local movers. Don't forget to fill out your change of address forms and inform the utility companies of your move! 

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