As a licensed real estate professional, I provide much more than the service of helping you find your ideal home. Realtors® are expert negotiators with other agents, seasoned financial advisors with clients, and superb navigators around local neighborhoods. They are members of the National Association of Realtors (NAR) and must abide by a Code of Ethics and Standards of Practice enforced by the NAR. A professional Realtor® is your best resource when buying your home.
· As a knowledgeable professional, I can save you endless amounts of time, money, and frustration.
· I know the housing market inside and out and can help you avoid the “wild goose chase.”
· I can help you with any home, even if it is listed elsewhere or if it is being sold directly by the owner.
· I know the best lenders in the area and can help you understand the importance of being prequalified for a mortgage. I can also discuss down payments, closing costs, and monthly payment options that suit you.
· I am an excellent source for both general and specific information about the community such as schools, churches, shopping, and transportation—plus tips on home inspections and pricing.
· I am experienced at presenting your offer to the homeowner and can help you through the process of negotiating the best price. We bring objectivity to the buying transaction, and we can point out the advantages and the disadvantages of a particular property.
· And the best thing about me as your Realtor® is that all this help normally won’t cost you a cent. Generally, the seller pays the commission to the Realtor.®
Why Get Pre-Qualified?
1. Pre-qualification acts as a dry run of the loan application process. The mortgage lender will use details that you provide about your credit, income, assets, and debts to arrive at an estimate of how much mortgage you can afford. The entire process may take only minutes or a few hours at most, and is free.
2. While a "pre-qual" is nonbinding to the lender (because the information you provide has not been verified), it does serve as a good indication to potential sellers of your general credit-worthiness.
3. Most sellers will not accept an offer without at least a pre-approval letter, so if you are serious about buying this is the first step toward getting into a new home.