The job of finding a home that meets all your needs and wants can be difficult if you don't have all the available resources at hand or the time required to make complete use of them.

I specialize in helping buyers find the homes they're looking for, and one benefit of using my services is that I hear about listings right when they come on the market -- in fact, often even before they're on the market. And that's just the first step. When I work for you I will:

1. *Educate you about Buyer Agency, outlining my fiduciary responsibilities to you, which include: complete Disclosure, Loyalty, Confidentiality,Obedience and Accountability.
2. *Save you time by regularly searching the market for an affordable home that meets your criteria.
3. *Email your specific home requirements to top producing agents in the area so they know we have a qualified purchaser.
4. *View homes with you and provide comparative analysis. I can also refer you to expert home inspectors that will provide more in-depth analysis and advice.
5. *Help you explore your financing options and, if required, refer you to some excellent mortgage professionals, so you can make the best possible mortgage decision.
6. *Provide consultation in relation to your written offer to purchase a home, with all terms approved by you.
7. *Negotiate the best possible price and terms for you, take care of all the documentation details, and keep you fully informed about all activities that lead to the transaction closing.
8. *Assist you, if necessary, in finding any home-related services you need.

Do Your Homework When Looking For A Mortgage

A very important part of buying a home is finding the right lender and the right mortgage product. There are many different kinds of lending institutions, offering a wide range of loan packages. So it is important to select the right lender because what you don't know could cost you.

Getting Pre-qualified

Generally, it is recommend that home buyers get pre-qualified for a loan with a lender before searching for a home to purchase. That way you will have completely reliable information about what you can afford. Additionally, any offer that you make on a home will be taken much more seriously if you have been pre-qualified than if you haven't. You'll also be in a much better position to make an offer once you have sold your previous home, if you have one (See my page For Sellers).

Other good reasons to get pre-qualified include:

• You can determine which loan program best fits your need and which programs you qualify for.
• You'll know exactly how much you are qualified for. It's no fun to find your ideal home and then realize that you can't afford it.
• Your down payment, monthly payment and closing costs will be set so you can budget your money in advance.
• If you are a first-time buyer, you may qualify for a special first-time buyer program which may allow you to afford more home for your money.

In this regard, over the course of my career I have some excellent contacts in the mortgage industry; so if you have any questions or if you would like me to refer one or more of them to you, please let me know.

Here is a link to a basic Mortgage Calculator to get you started. It also has a link for you to apply for a loan online if you would like to get more detailed information on what a home will cost you and what loan programs are available that best fit your needs.