Buyers

Whether it’s a Single Family Home, Townhome, or Condo, I am here to help you find the best fit for your needs. Let me share my knowledge and experience as a Professional Realtor.

Before the home search begins, I will want to know as much as possible about the features and amenities you desire. To help better serve you, I will analyze what you want and what you need in a home’s features and amenities.

Where you buy not only affects the home’s current and future value, but it also affects your lifestyle. As your agent, I will be able to conduct a more targeted home search if you outline your preferences in neighborhoods and nearby amenities.

Your lender decides what you can borrow but you decide what you can afford. Lenders are careful, but they make qualification decisions based on averages and formulas. They won’t understand the nuances of your lifestyle and spending patterns quite as well as you do. So, leave a little room for the unexpected - for all the new opportunities your home will give you to spend money, from furnishings, to landscaping, to repairs. Historically, banks use a ratio called 28/36 to decide how much borrowers could borrow. An approved housing payment couldn’t be more than 28 percent of the buyer’s gross monthly income, and his or her total debt load, including car payments, student loans, and credit card payments, couldn’t be more than 36 percent. As home prices have risen, some lenders have responded by stretching these ratios to as high as 50 percent. No matter how expensive your market though, I urge you to think carefully before stretching your budget quite so much.