In my 35 years as a mortgage originator and exclusive buyer’s representative, many prospective homebuyers have told me that they are delaying their purchase because of lack of money and/or their credit history. In some cases, delaying the purchase is necessary and prudent. However, in many cases the delay is unnecessary, resulting in a higher payment, a less desirable home, or being priced-out of … Continue reading...

Buyers and Sellers customarily pay certain closing costs in a real estate transaction. The buyer’s costs can be paid by the buyer at closing, the buyer’s lender, and/or the lender. Buyers should discuss the various options for covering their closing costs early in the process with their lender and agent; so your preferred closing cost strategy is determined before you make an offer on a home. In … Continue reading...

SEVEN THINGS TO EXPECT FROM A BUYER’S AGENT Most prospective home-buyers think is the most important benefit of working with a buyer’s agent is their ability to find available homes. This is a major part of what a competent agent does; however, there are a number of equally important services they provide. These include explaining the contract and documents, determining a home’s value, negotiating … Continue reading...