Home Buying Tips

We can help you determine if the time is right to make a move to the home you've been dreaming about. If you follow these suggestions, you'll make a sound business decision that will provide pleasure and pride for years to come.

Home values are on the rise
The biggest decision that you need to consider is whether or not the time is right for you to make a move. Since home values are increasing, waiting will likely bring a higher selling price for your house. Keep in mind, however, that the house you'll be buying is also steadily increasing in value.

Interest rates and equity
Two critical factors to consider are how much of the equity from the sale of your current house you'll put down on your next home and the interest rate that you get on your new home loan. A good down payment combined with a lower interest rate might make the right home within reach.

Income plus lifestyle equals mortgage payment
We can sit down with you to discuss your income level and living expenses. Take into account future considerations like: children, add-ons, amenities or fix-ups. Your dream home is certainly worth a sacrifice but don't mortgage your entire future.

View several homes
See at least 5-10 properties. With our help, you'll be able to view enough properties to get a good overall perspective of your market. And when you find the right property, all the leg work will be wort

Utilize your team
You'll have our entire team working for you. We have trusted lenders, title reps, inspection teams - agroup of trained professionals to make the whole buying experience simple and easy for you.

Do your research
Check out all your costs and expenses before you sign: utilities, taxes, insurance, maintenance and homeowner dues, if applicable. Make sure all utilities are on (gas, electricity, and water), so you can inspect everything in working order. Before you sign do a final walk-through and be sure the property was left per contract.

Don't wait for the bottom of the market
You're better off simply negotiating the best rate and terms you can at the time you find a property. If interest rates go down, you can refinance. This is a much better approach because you won't miss out on the property you've spent so much time locating.

Plan for flexibility
Closing dates are not written in stone. Allow for contingencies and have a back-up plan. Don't be discouraged if you or the sellers need a little more time to finalize the arrangements. These types of circumstances are not uncommon in a real estate transaction.

Get it in writing
Don't make any assumptions or believe any assurances. Even the best intentions can be misinterpreted. We can keep an ongoing log of all discussions, and get the seller's written approval for all agreements.