WHY WORK WITH A BOUTIQUE REAL ESTATE & HOME LOAN BROKERAGE?
Boutique firms offer an Agent-Client experience that is very personal. We are not just your Realtor, we are your most loyal advocate, ensuring that the decisions you make are in your best interest. We are on this journey together, whether selling or buying, we put in the work right along your side.
Boutique firms are connected with their communities. This puts us in the best position to guide you through the market. We love our neighbors and we choose different ways to serve and stay connected. Our passion is helping people!
Boutique firms have strong local knowledge and community connections. Our deep roots in our city is the very thing that allows us the best marketing exposure available.
In larger firms you miss out on the personalized service that a boutique firm offers, we do not believe in the "one size fits all" approach. We believe in being transparent, we pride ourselves in a high level of honesty & integrity.
GET A HOME LOAN & INTO YOUR DREAM HOME!
PRE-APPROVAL
- A pre-approval shows you’ve spoken to us, provided initial documentation, set your budget and considered the next steps.
- This can give you an advantage over other home shoppers in a competitive market
DOCUMENTATION REQUIRED
- Two most recent and complete tax returns
- Two most recent W-2s
- Two most recent pay stubs
- Two most recent and bank statements
- A copy of your photo ID
- Self-employed borrowers may need to provide additional documentation
SEARCH FOR YOUR HOME
UNDERWRITING & APPRAISAL
- Meet with your agent to determine your wants and needs. We will guide you through the process of buying your 1st home.
- Once you’ve found your dream home, work with your agent to negotiate a price.
- Once your offer is accepted, a home inspection is scheduled. The inspection will confirm there aren’t any hidden problems with the foundation, plumbing, heating, cooling and electrical systems
UNDERWRITING & APPRAISAL
UNDERWRITING & APPRAISAL
UNDERWRITING & APPRAISAL
- We’ll verify your application information, assess your credit and collateral, and order an appraisal to ensure you’re not overpaying. In this stage, the underwriting process begins.
- An underwriter will complete an initial review within 48 hours.
- If we require any additional information, also known as conditions, we will work with you to clear conditions within 2 days.
- Your loan will return to an underwriter for final review and a clear to close (CTC).
- The loan processor will inform all parties of the CTC and verify the closing date and time.
CLOSING
UNDERWRITING & APPRAISAL
SUPPLEMENTAL TAXES
Time to celebrate!
- Once the paperwork is signed, you’ll receive the keys to your new home!
Arrive prepared:
- Plan to review the final documents to confirm the rate and loan amount.
- Bring a cashier’s check to cover the closing costs and down payment.
- Bring your photo ID and possibly a Social Security card to confirm your identity.
SUPPLEMENTAL TAXES
UNDERWRITING & APPRAISAL
SUPPLEMENTAL TAXES
- You will receive a one time Supplemental Tax Bill, this is due when there is a change in ownership. The property will be re-assesed at the new purchase price.
- This is different than your regular property tax, which is paid with your mortgage payment via your escrow impound account, 1st Installment will be due in Nov 1st, no later than Dec 1st and the 2nd Installment due Feb 1st, no later than April 1st.
SERVICIO EN ESPAÑOL
APROBACIÓN
- Una aprobación muestra que habló con nosotros, proporcionó la documentación inicial, estableció su presupuesto y consideró los próximos pasos.
- Esto puede darle una ventaja sobre otros compradores en un mercado competitivo.
DOCUMENTACIÓN REQUERIDA
- Dos declaraciones de impuestos más recientes y completas
Los dos formularios W-2 más recientes - Dos talones de pago más recientes
Los dos extractos bancarios más recientes - Una copia de su identificación con foto
- Es posible que los prestatarios que trabajan por cuenta propia deban proporcionar documentación adicional
BUSCA TU CASA
ASEGURAMIENTO Y EVALUACIÓN
- Reúnase con su agente para determinar lo que busca en una casa.
- Lo guiaremos a través del proceso de compra de su primera casa.
- Una vez que haya encontrado la casa de sus sueños, trabaje con su agente para negociar un precio.
- Cuando su oferta sea aceptada, se programa una inspección. La inspección confirmará que no hay ningún problema con los sistemas de cimentación, plomería, calefacción, refrigeración y electricidad.
ASEGURAMIENTO Y EVALUACIÓN
ASEGURAMIENTO Y EVALUACIÓN
ASEGURAMIENTO Y EVALUACIÓN
- Verificaremos la información de su solicitud, evaluaremos su crédito y garantía, y ordenaremos una inspección de avalúo para asegurarnos de que no está pagando de más.
- En esta etapa comienza el proceso de suscripción.Un asegurador completará una revisión inicial dentro de las 48 horas.
- Si requerimos información adicional, también conocida como condiciones, trabajaremos con usted para aclarar las condiciones dentro de 2 días.
- Su préstamo volverá a un suscriptor para una revisión final y un cierre claro (CTC).
- El procesador de préstamos informará a todas las partes del CTC y verificará la fecha y hora de cierre.
EL CIERRE
ASEGURAMIENTO Y EVALUACIÓN
IMPUESTOS SUPLEMENTARIOS
¡Tiempo para celebrar!
- Una vez que se firme la documentación, recibirá las llaves de su nuevo hogar.
Llegue preparado:
- Planee revisar los documentos finales para confirmar la tasa y el monto del préstamo.
- Lleve un cheque de caja para cubrir los costos de cierre y el pago inicial.
- Traiga su identificación con foto y posiblemente su tarjeta de Seguro Social para confirmar su identidad.
IMPUESTOS SUPLEMENTARIOS
ASEGURAMIENTO Y EVALUACIÓN
IMPUESTOS SUPLEMENTARIOS
- Recibirá una Factura de impuestos suplementarios por única vez, que cambia cuando hay un cambio de propietario. La propiedad será reevaluada al nuevo precio de compra.
- Esto es diferente a los impuesto que uno recibe regularmente, que se pagan con el pago de su hipoteca a través de su cuenta de depósito en garantía, la primera cuota se vence el 1 de noviembre, a más tardar el 1 de diciembre, y la segunda cuota se vence el 1 de febrero, a más tardar el 1 de abril.
OUR SERVICES
Real Estate Done Right
Nervous about your property adventure? Don’t be!
Whether you're getting ready to buy or sell, in the middle of it, or just looking for some answers, you can depend on my top-notch skills to ensure you get the best experience possible. It’s what I love to do!
Financing
Becoming a homeowner all depends on finding the best possible loan scenario for your unique situation. I’m here to help you make that choice.
Rely on Expertise
If you have questions about affordability, credit, down payment options, or the first steps to take, trust me to guide you every step of the way. As an agency that provides both real estate & home loans, we are confident that we can meet your needs.
Tips to follow:
Your Credit Score
Are you letting a low credit score hold you back from achieving your dreams?
Fear of rejection or fear of the unknown can be overwhelming, but it doesn't have to define your future.
I believe everyone deserves a second chance, as an experienced Loan Officer, I will work with you to:
- Understand your credit report
- Identify areas for improvement
- Develop a plan to boost your score
- Explore loan options tailored to your needs
Don't let fear dictate your financial journey. Let's tackle your credit fears together & get you started on the path to homeownership!
Do's & Don'ts when Buying
As a first-time home buyer, learning all the do's and don'ts of buying a house can be overwhelming. However, it doesn't have to be complicated. Call me and I will design a specific game plan just for you!
Tip for Sellers
Tip for Sellers
It's time to light it up! Even the simplest of tricks can work wonders, like flipping the switch and flinging open the curtains. But why settle for ordinary? Let's kick it up a notch and experiment with new ways to bring that glow to life. Try beefing up the wattage on those bulbs. The result might surprise you! It's the little things that go a long way!