Is your New Year’s Resolution to stop paying rent, but you aren’t sure how to get there? Do you feel like you will never be able to afford your own home? Yeah? Sounds familiar!

I have been in those shoes before. Now, I am an expert at helping first-time homebuyers get out of the landlord loop and into a home they own. Most of my clients get there within a year! So, if 2022 is the year for you, keep reading. I will walk you through the door!

First things first: set up a no-obligation buyer consultation with me. When you work with an experienced buyer's agent, you pay nothing upfront, so do not worry. If I can not get you into a new home, you don't owe me a cent. I want you focused on getting that perfect home, not on additional costs! 

Next, we'll talk about what neighborhoods you are interested in living in, what kinds of homes you like, how many bedrooms you need, etc. We will touch on your income, discerning if you are a full-time employee, self-employed, or perhaps a recently graduated student. I know it can feel weird talking to someone you just met about your income and credit score, but that is how, as a seasoned agent, I will construct a plan for your success. I will explain the home search process and some of the costs you can expect along the way.

Have you heard? The old way of getting a loan, where you needed 20% down, is a thing of the past! Most clients need only 3-5%, which many find easier to accomplish. We will be sure to cover loan types and any programs that best suit your needs during your consultation.

Based on your situation, I will recommend an expert local lender to get you from A to Z. (Or, of course, you are welcome to use someone you already know and love!) The lender will run your credit and verify your income and assets to establish if you are ready to be preapproved, or if some adjustments are needed to obtain a loan to purchase the home of your dreams. 

Preapproval is what determines when we start looking for homes. Some people will qualify for what they want right away, but others find they still have some work to do. Whether paying down some debt, saving for a down payment and closing costs, or getting inaccurate information removed from your credit report, having a fantastic lender is crucial. They will provide you with a detailed plan & ensure everything is going as it should. 

I’ll also follow up to see how you are doing. I believe that each of my clients should get the best personal service I can give. I tailor my communication to your timeline and only take on a certain number of clients at a time to make sure I have a spot on my calendar when you are ready! There will be ups and downs on the road to owning your own home, but it is so worth it. I have helped many families get to a place they never thought they could! Handing over those keys is just the best moment I could ask for.