Do you need a realtor? Because That’s Me!
So let’s begin to hustle to find or sell that home of yours
This is one of the biggest transactions of your life and I do not for one second take you entrusting me with it lightly. God has called me to this career to aid his children in finding the home he has called from them. Homeownership is one the best ways to build generational wealth and its a decision that could change the trajectory of your financial situation.
the 3 master steps of success
1-2-3 easy peasy steps
01
FINANCIAL INVENTORY
I know this is a step most people don’t address but its argubly the most important. Before you can consider buying a home it’s important to take a step back do a thorough evaluation of where you stand financially. Yes, this is an important step to get the preapproval but it’s also important because the purchase is just the beginning of the financial responsibility you’re about to take on.
02
PREAPPROVAL
This is the step that makes it real. A preapproval is where you start your house hunting journey. This makes it where any offer you submit it taken seriously and gives you an idea of where you can begin your hunt price wise. Check out my blog article “How much house can I afford?” to learn about the difference you should consider between the preapproval amount and what your budget should actually be.
03
TIME TO START THE SEARCH
Once you’ve gotten a good idea of where you stand financially and approved to start looking it’s so very important to sit down and start deciding on your non negotiable list. It’s absolutely possible if you have a limitless budget to get everything on your want list but if you’re like most of us, thats just not going to happen. So take some time to consider what you cant part with from your want and need list, from there the hunt begins
How you WILL benefit from working with me
benefits of using a realtor
01Whether you are buying or selling you want someone with some negotiating power in your circle. An experienced realtor could help you save tens of thousands if not more on a transaction. And if you’re financing over the course of your mortgage that could equate to hundreds of thousands!
02You’ll find that one of the best benefits of working with a realtor is having access to MLS. Platforms like Zillow do not have real time access to view information regarding a homes sell status and quite often list inaccurate information.
03Having someone who knows real estate contracts like the back of their hand no doubt is one of the biggest benefits of using a realtor. Most realtors can tell you what every part of a standard real estate contract consist of and use verbiage when creating them to legally protect you.
04 Most individuals only handle a home purchase a handful of times in a lifetime, but most realtors are going through transactions in the hundreds in a lifetime. Having an expert guide to navigate you in the right direction is vital in such a large transaction.
05They know the language. Most home sales and purchases go through a plethora of contracts, disclosures, reports, and other forms and having someone who is a friend who can analyze these for you and is acting in your best interest could make or break, and possibly save you from a terrible deal.
Why now is the perfect time to buy and sell
It’s the perfect time
Use this to remind them of the pain points here
→ Interest rates are rising quickly and although they wont stay on this course forever, getting a rate even just .5 percent lower could be the difference between you getting a home for 300,00 or for 200,000 and having the same note.
→We all see the facebook post about our grandparents buying these lavish homes for 50,000 back in the day that are now worth 500,000. It’s because a home purchase is something that will indefinetly appreciate; building generational wealth for yourself and not someone else.
→If you are financially ready to purchase a home, have you evaluated the pros and cons, and know this is the right move for you and your family why sit and wait. Taking action to get your family settled in a home where you build the foundation for your future.
Invest in yourself, invest in your home.
My super duper
freebies
be prepared, be confident
Going into a home purchase or sale unprepared is the equivalent of applying for a physicians position with an engineering degree.
01
First Time Homebuyers Checklist
Macaron bouquet disco ball elegant doughnuts girl boss perfume knit honey. Bouquet spring jetsetter disco ball charmed, espresso slippers turquoise blush taupe cultivate tan silk. Foliage opal glow turquoise eucalyptus chocolate.
Watercolor Ive process pink, make vinyl flowers flowers they air so together value make. As of mood.
02
What to do to prepare your home for the home buying process?
Macaron bouquet disco ball elegant doughnuts girl boss perfume knit honey. Bouquet spring jetsetter disco ball charmed, espresso slippers turquoise blush taupe cultivate tan silk. Foliage opal glow turquoise eucalyptus chocolate.
Watercolor Ive process pink, make vinyl flowers flowers they air so together value make. As of mood.
03
5 Ways to Make Sure You’re Preapproved
Macaron bouquet disco ball elegant doughnuts girl boss perfume knit honey. Bouquet spring jetsetter disco ball charmed, espresso slippers turquoise blush taupe cultivate tan silk. Foliage opal glow turquoise eucalyptus chocolate.
Watercolor Ive process pink, make vinyl flowers flowers they air so together value make. As of mood.
the Burning Questions
We know you have them
Quite a few questions come across my desk but some more than others. Check out some of the most frequently asked questions for a REALTOR.
QUESTION 1
What should I do first? Then what should I do second and then third?
→Honestly there is more than one correct answer to this question. Before you even start the hunt getting a good idea of your financial health is essential which is why getting a preapproval is going to be one of your first steps. A lender is going to evaluate where you are financially so that you make it through underwriting .They’ll tell you exactly what you need to work on.
→Second step is to be still. Buying a home is a big decision but it does not define you. It does not define your future. Before my home purchase I was very much excited to buy a home but God did not give it till I accepted
Question 2
How do I decide on a budget for a property?
→So, generally your pre-approval will tell you how much home you can buy but just because you’re pre-approved for a certain amount does not mean you should spend it. Generally you’re pre-approved for more than you afford if you’re able to put more than the minimum down which for a FHA loan is .035%. The goal is not being house poor. Figure out how much you want to spend a month and be sure to include all home related expenses such as your mortgage and interest, mortgage insurance, property insurance, taxes, and go from there.
→No matter what the numbers say you know what you’re comfortable with. You know what you can afford without sacrificing the lifestyle you deserve .
Your freebie goes here
Want To Learn All My Secrets?
I know you want them
This is a …… that I’ve designed specifically for me and my family and I’ve tweaked it overtime till I felt it was perfect and easy enough for anybody to manage. This will allow you to get your money under control and manage it instead of it managing you !