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Apprehensive about your starting your journey? Don’t be. Whether you're getting ready to buy or sell, in the midst of it, or just looking for some solutions, our top dedication to your happiness is my top priority!
Residential Buying or Leasing
Large or small, condo or mansion, I can find it and get it for you at the price that's right. Fixer-uppers? Starter homes? Investment property? I can help with all of it. There's always a current list of available properties for you to check out.
Rely on Expertise
If you have questions about affordability or credit, trust me to find you what you need fast. I make sure you feel confident and educated every step of the way. I also understand that not all home buying or selling journeys are the same!
Site Content
What's your credit score costing you?
Your credit score and credit history play a major role in your ability to obtain a mortgage. Mortgage lenders use your credit report to measure your risk as a borrower and determine your spending power. The lower your score and more questionable your history, the riskier you are to most lenders. Your credit score reflects your past credit usage, which lenders use to measure how responsible you are with credit. It speaks to your past payment and debt management habits, and it gives lenders an idea of what they can expect if they loan you money to buy a home. In conclusion, credit scores directly influence what mortgage rate a lender offers you. Higher credit scores will usually mean a lower interest rate (and a lower monthly payment), while lower scores will usually receive higher rates.
FAQS
- What the first step of the home buying process?
- Getting pre-approved for a mortgage is the first step of
the home buying process. Getting a pre-approval letter
from a lender get the ball rolling in the right direction.
2. How long does it take to buy a home?
- From start (searching online) to finish (closing escrow), buying a home takes about 10 to 12 weeks. Once a home is selected and the offer is accepted, the average time to complete the escrow period on a home is 30 to 45 days (under normal market conditions). Though, well-prepared home buyers who pay cash have been known to purchase properties faster than that.
3. What is a seller’s market?
- In sellers’ markets, increasing demand for homes drives up prices.
4. What is a buyer’s market?
- A buyer’s market is characterized by declining home prices and reduced demand. Several factors may affect long-term and short-term buyer demand, like: Economic disruption - a big employer shuts down operations, laying off their workforce.
5. What is a stratified market?
- A stratified market happens where supply and demand characteristics differ by price point, in the same area (typically by city). For example, home sales for properties above $1.5M may be brisk (seller’s market) while homes under $750k may be sluggish (buyer’s market). This scenario comes along every so often in West Coast cities where international investors - looking to park their money in the United States - buy expensive real estate. At the same time, home sales activity in mid-priced homes could be entirely different.
6. How much do I have to pay an agent to help me buy a house?
- Listing brokers represent sellers and charge a fee to represent them and market the property. Marketing may include advertising expenses such as radio spots, print ads, television and internet ads. The property will also be placed in the local multiple listing service (MLS), where other agents in the area (and nationally) will be able to search and find the home for sale.
- Agents who represent buyers (a.k.a. buyer’s agent) are compensated by the listing broker for bringing home buyers to the table. When the home is sold, the listing broker splits the listing fee with the buyer’s agent. Thus, buyers don’t pay their agents.
7. What kind of credit score do I need to buy a home?
- Most loan programs require a FICO score of 620 or better. Borrowers with higher credit score represent less risk to the lender, often resulting in a lower the down payment requirement and better interest rate.
- Home shoppers with lower credit scores may need to bring more money to the table (or accept a higher interest rate) to offset the lender’s risk.
8. How much do I need for a down payment?
- While the broad down payment average is 11%, first time homebuyers usually only put down 3 to 5% on a home. That’s because several first-time home buyer programs don’t require big down payments. A longtime favorite, the FHA loan, requires 3.5% down.
9. Should I sell my current home before buying a new one?
- f the built-up equity in your current home will be applied to the down payment on the new home, naturally the former will need to be sold first.
10. How many homes should I view before buying one?
- The ability to search for homes online and see pictures, even before setting a foot outside the comfort of your living room, has completely changed the home buying game. Convenience is at an all-time high. But, nothing beats visiting a home to see how it looks and ‘feels’ in person.
11. What is earnest money?
- When you make an offer on a home, your agent will ask for a check to accompany it (checks are the same as cash, and the deposit is typically 1% to 2% of the purchase price). Earnest money is made in good faith to demonstrate - to the seller - that the buyer’s offer is genuine. Earnest money essentially takes the home off the market to anyone else and reserves it for you.
12. How long can the seller take to respond to my offer?
- Written offers should stipulate the timeframe in which the seller should respond. Giving them twenty-four hours should be sufficient.
13. What if my offer is rejected?
- Sellers can flat-out accept or reject an initial offer. But they're a third path that is quite common, sellers can initiate a counteroffer. Remember this: a deal isn’t dead until it’s dead. So, if a counteroffer is proffered by the seller, you’re still in the game. You and your agent just need to review it determine whether the counteroffer is acceptable. If so, then approving it closes the deal immediately. Keep in mind, offers and counteroffers can go back-and-forth many times; this is not unusual and negotiations are a part of what realtors do as a matter of routine. Each revision should bring both parties closer together on the terms of the deal.
14. Should I order a home inspection?
- Home inspections are required if you plan on financing your home with an FHA or VA loan. For other mortgage programs, inspections are not required. However, home inspections are highly recommended because they can reveal defects in the home that are not easily detected. Home inspections bring peace of mind to one of the biggest investments of a lifetime.
15. Do I need to do a final walk-through?
- It’s not required, but it’s a darn good idea! Final walk-throughs give buyers a chance to make sure nothing had changed since their first visit. If repairs were requested, as part of the offer, a follow-up visit ensures that everything is squared-away, as expected, per the terms of the contract.
Brokerages
1522 County Road 382
Rosharon, Tx 77583
(281) 217-7814
9522 Brookline Ave., Ste 113
Baton Rouge, La 70809
Licensed by The Louisiana Real Estate Commission
(281) 217-7814