Ready to Buy a Home?
Buying a home is often one of the largest transactions we make in our lives and a big investment in our futures. Whether you are a first time buyer or an experienced homeowner, Rosemary Lewis has the market knowledge and experience to find you your next dream home!
Rosemary utilizes the “First To Know” program. After we enter your criteria into the system, we get notified the minute a home that matches your needs hits the market. This gives you a distinct advantage when trying to be the first to put an offer on a home.
Why Having an Agent is Important
Because purchasing a home is such a huge financial decision and more complicated than many realize, you need someone with a strong knowledge of the process. Rosemary Lewis has the experience you NEED. Once she understands your needs and wants, we do the research and find options that will suit your needs. We stay up to date with market changes so that we can negotiate on your behalf and get you the best price for the home you find.
Tips for First Time Buyers
Know Your Credit Score
Your credit score is one of the most important factors when applying for a loan these days. Along with on-time payments, lenders prefer to see a low utilization rate - meaning a high amount of credit available in proportion to the amount of credit used.
Mortgage lenders will require a lot of documentation such as paystubs, tax documents and bank statements. Getting organized ahead of time will save you time and headaches.
Determine Your Wants & Needs
Being one of the largest purchases of your life, you want to consider the long term. Make a list of desires such as type of home (condo, single-family home, etc), neighborhood, schools and square footage. This list will allow your Realtor to find the home that you truly want!
Determine Your Budget
Before shopping for a home, you need a mortgage pre-approval. It's also a good idea to sit down and figure out your budget and what you can afford in terms of a monthly payment. Rosemary can help you determine your down payment and monthly mortgage payment at certain price ranges and present it in a way that is straight-forward and easy to understand.