Buying

Should I Buy?  Is it the Right Thing for Me?

When contemplating whether to buy your first home or your fifth home, I can help guide you through the process.  For first time buyers I can help you discern between the pros and cons of renting vs. buying.   A simple evaluation can help you decide if you are financially and personally ready to make that first commitment of home ownership. 

Don't assume your credit is spotless.  

Ask your lender to pull your credit report. It may contain errors or old unpaid debts you've forgotten. Get errors and omissions fixed now.  

Between pre-qualification and closing, consult your lender before any major purchase.  

Credit purchases affect your qualification for a mortgage, even after you've been approved.

Home Inspection.

On resale homes, always get a Home Inspection by a qualified home inspector to uncover any faults in the home. Then, the Seller, not you, pays to correct any problems.

Buy a home you can really afford.

While there are definite advantages to owning your own home, there are also expenses (decorating, lawn care, repairs) that you may forget in all the excitement. "Buy a bit less, rather than a bit more than you can afford," is good advice.