Choose an agent that is professional, experienced and knowledgeable about the type and/or location of the home you are qualified to purchase or sell.

• Owning a home can enhance quality of life and stability with a sense of control over renting or leasing.
• Home ownership provides financial return when building equity you cannot do when renting or leasing.
• Interest paid in each year can be tax deductible and possibly provide tax breaks.
• More financial stability knowing that the monthly mortgage payment (on a fixed rate loan) will never change (excluding the potential fluctuation in the cost of taxes and insurance) whereas rent can increase annually.

• Having a budget early on will assist in determining affordability and make the process less stressful.
• Typically you do not want the cost of your mortgage principal, interest, taxes and insurance (PITI) to be more than 28-33% of your gross monthly income (monthly income before deductions).
• Also, you do not want the monthly cost of your overall debts (including your monthly mortgage payment) to exceed 36-40% of your gross monthly income.
• If you are needing assistance with obtaining financing for a home, we can get you in contact with one of our preferred lenders that can provide you with a detailed pre-approval.

1. Find the right home
2. Make an offer to purchase
3. Acceptance from the seller
4. Obtain financing
5. Complete a home inspection
6. Close the deal
7. Pack your belongings
8. MOVE IN!

1. Choose an agent
2. Consult with your agent to review all details of your home
3. Your agent will develop a marketing strategy to best sell your home
4. Activate the property on the market to obtain buyers
5. Obtain a qualified buyer to purchase your home
6. Communicate with the title company and prepare for closing
7. Close the deal

Your agent will prepare a strong marketing strategy to allow your property to get the most exposure and marketability to obtain the best qualified buyer and selling price possible.

• Keep the home clear of any clutter
• Keep the lawn and shrubs well-trimmed,
• Add appeal curbside and inside (your agent can assist with this strategy)
• Ensure the property is available for showings
• Communicate with your agent
• Remove or lock up all valuables
• Secure all pets in your home
• Limit conversations with buyers/agents and refer them to your agent