Buying or Selling

I'm Buying a Home

Congratulations!
Your next step is to evaluate your situation.

• What is your maximum monthly payment comfort level?
• How much should you invest for a down payment and closing costs?
• What is the best loan program for YOU?
• Considering future personal and financial events (growing family, tuition, debt structure, retirement, etc…), how will this loan fit into your finances?

Know this BEFORE your home search begins. You will go forward with confidence and not waste time, emotion, and effort!

Next, contact me for a Pre-Approval Strategy Session (PASS). We will discuss your specific situation and determine the maximum loan you qualify for and/or how much cash you will need to close, if any. I will also help you discover the right mortgage program that fits your goals and preferences and sets you on a clear financial path.

Finally, I will equip you with a Pre-Approval letter for your home search! Home sellers and Realtors will want to know that you are a qualified buyer. Your pre-approval letter will let them know that you are serious, and may help you in negotiating a lower price (2-3%) than a borrower who is not pre-approved!

Why wait? Click here to contact me about getting pre-approved!

I'm Selling My Home

Leveraging the equity in existing homes is the primary way in which people purchase their next home. But how do you get that equity?

• The Hubbard Clause is available to submit with your offer on your next home. The Hubbard Clause explains to the seller that you have a home to sell before you can buy the next home. When your home sells, the cash you need to complete the transaction becomes available. However, many sellers will not accept the Hubbard Clause as part of an offer, or they will prefer to accept another offer that is available. So what should a buyer do when they have a home to sell?



• The Contingency Buster: There are programs available that will allow you to buy first and sell later. These programs have very specific qualifications and credit requirements. Contact me to determine if one of these programs is best for you!

Selling your home quickly is a multi-faceted marketing effort that leverages time, community, and human networks. If you are interested in a $OLD HOME, I can help! Click here to see a list of some real estate professionals that I recommend, or contact me for guidance!

The Domino Effect occurs when two or more home sales fall out because the buyer of the first home did not qualify for their loan or were turned down at the last minute. Since they did not close, the sellers of that home did not get the funds to purchase their new home, and hence did not close either. You can avoid this by having the buyers of your home get their loan the same place you do - with me! This puts everything under one watching eye!

The Anti-Domino Bonus: If I do both loans (your buyers and yours) as a result of your recommendation, you will receive a discount on closing costs that is tied to the combined loan amounts.

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