I'd Love To Be Your New Neighbor

Buying a home is a big deal. It's the biggest purchase most of us will ever make in our lives, and one that can be incredibly complex. You need someone to guide you through every step in that process, and to help you make the right decisions. I go above and beyond to help you find not just the right home, but help you understand how that home fits into it's neighborhood and community. I am a relentless researcher and will use all my skills and knowledge to help you avoid home buying mistakes, and I'll leverage my well-honed negotiating skills to ensure you get the best deal possible.

ARE YOU READY TO START YOUR HOMEBUYING JOURNEY?

COMPLETE MY 5 MINUTE HOME BUYER QUESTIONNAIRE SO I'LL HAVE ALL THE INFORMATION I NEED TO SERVE YOU BEST

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Concierge Buyers Service

I GO THE EXTRA MILE SO YOU DON'T HAVE TO

I'm your eyes and ears on the ground, and I offer exclusive services to my buyer clients to help you not only find your dream home, but also make sense of what it will be like to live in your new community.

Drone Scouting

SEE THINGS FROM ALL ANGLES

I'll travel to homes you're interested in and provide custom drone photos and videos to help you get the lay of the land and see how the home fits into it's local neighborhood. You can even request specific angles or shots.

Livestream Open House

THE NEXT BEST THING TO BEING THERE

For those who don't already live on the island or are unable to travel to open houses, I'll host a private livestreamed tour of the property just for you. You can ask questions and direct me along the way to showcase specific features.

Neighborhood Review

LEARN WHAT IT WILL BE LIKE TO LIVE THERE

I'll provide a custom break down of the local neighborhood, nearby amenities, travel times to shopping, schools, etc., and highlight local attractions and answer any questions about what living in the area would be like.

The Home Buying Process

Whether you're a first time home buyer, or looking to upgrade, this useful guide provides the steps to ensure your home buying experience is smooth and pleasant.

Research

STEP 1:

Do you already know where you want to buy? If you want a condo, townhome, or single-family home? Which features you like and dislike? What’s available on the market now? If you answered no to any of these questions, now is the time to start researching. In addition to looking for homes that interest you, also take note of any changes in asking prices. This could give you valuable insight into housing trends in specific neighborhoods and help you when the time comes to make an offer.

Decide On Your Budget

STEP 2:

Notice I said to decide on your budget—not determine how much the mortgage company will give you. In many cases, a mortgage company will pre-approve you for more than you’re comfortable spending, which is why you need to determine the monthly payment you feel comfortable with before talking to a lender. This likely includes doing a full household budget and taking into consideration what changes other than a mortgage payment will occur once you move into your new home. If you’ve lived in an apartment or with roommates, you may overlook new expenses like garbage, water, or Strata fees that could easily blow your budget.

Get Prequalified

STEP 3:

Just because you think you can afford a certain payment every month doesn’t mean the mortgage company will agree. Just as they may approve you for too large of an amount, they may also approve you for a lesser amount or deny you a mortgage altogether. Lack of time at a job, insufficient credit, past bankruptcies, or other financial issues can cause major problems when trying to secure a mortgage. Before you get your heart set on a home, talk to a mortgage professional to find out what amount you can qualify for. This will also be an advantage when you make an offer on a home, as some sellers won’t entertain offers from those who aren’t already prequalified for a loan.

Great Opportunity

Chose An Agent

STEP 4:

Can you shop for, look at, and ultimately make an offer on a home without a Real Estate Agent? Technically yes, but why would you when it costs you nothing for an agent like me to take much of the stress off your shoulders? Not only will I help identify properties you might be interested in, arrange showings, and ultimately handle the offer process, but I also have a knowledge of the market that you don’t possess. Finding the perfect home can be a daunting task, this is where my expertise and wealth of knowledge come into play. Let me show you around some homes that meet your dream home criteria so you can find the one that's right for you.

Find The Right Home

STEP 5:

This should be the most enjoyable step of the entire process (other than moving in!). I will arrange showings of homes you’re interested in that are within your price range. Take notes about what you like and don’t like, and make sure to pay attention to details. Turn light switches on and off, open and close doors, and run the faucets in various rooms. Don’t limit your inspection to the home itself. Make sure to take time to explore the neighborhood and keep an eye on traffic at certain times of the day, the parking situation, and how close it is to necessities like schools and grocery stores.

Great Opportunity

Make An Offer

STEP 6:

Once you have selected the perfect home, work with your agent to craft a fair offer based on the value of comparable homes on the market. Depending on what the home is listed at and whether the current environment is a buyer’s or seller’s market, your offer may be below, at, or even above the asking price. I will be able to help you negotiate if you receive a counteroffer and reach an agreement. At this point, the house will go into escrow.

Get A Home Inspection

STEP 7:

In most cases, your offer will be contingent on having the home inspected to ensure there is no major structural damage or large repairs needed. I can help you arrange this, and you can schedule it within days of making an offer. If there are no major issues, the process goes to step eight. If there is, you can renegotiate your offer based on what needs to be fixed, or you can withdraw it.

Choose The Right Loan

STEP 8:

Now is the time to go back to the mortgage lender who pre-approved or pre-qualified you and choose your mortgage. You will be presented with various options based on your unique financial situation, including fixed-rate, variable-rate, 15-year, 30-year, or special loan types like vendor take back loans. Work with your mortgage lender to select the option you feel the most comfortable with.

Get A Home Appraisal

STEP 9:

Your lender will have your new home appraised so they have their independent value of it. The appraisal is to ensure that all parties involved are paying a fair price for the house.

Finish The Paperwork!

STEP 10:

No one looks forward to all the paperwork involved in buying a home, but it’s a necessary part of the process. Fortunately, everything will be arranged by your lender and title company and, when you’re finished, you’ll know you are the legal owner of your new home.

Congratulations!

After signing the final paperwork to complete the purchase, you are now the proud owner of a new home. It may take a few days for your loan to be funded once the paperwork has been returned to the lender, but once that check is delivered to the seller, you’ll be all set to move into the home of your dreams.

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