Buy a Home With a Clear Plan
Finding the right home starts with understanding what matters to you. I help you evaluate properties, shape an offer, and understand the decisions that lead from a search to closing.
Start With Your Priorities
We’ll discuss your budget, preferred locations, timing, and the features you need. Working with your lender, we can consider financing and the cash needed for the purchase so your search is grounded in practical choices.
My Buyer Satisfaction Guarantee
If you buy a home with me and are unhappy with it within the first 18 months, I will sell it without a listing-side commission when you buy your next home with me.
How the Guarantee Works
The guarantee applies to a home you purchase with me. If you become dissatisfied during your first 18 months of ownership, contact me to discuss selling that home and purchasing your next home with me.
For that qualifying resale, I will not charge a listing-side commission. The guarantee covers my listing-side commission; it does not eliminate other transaction costs or charges.
Plan Your Next Move
We will discuss the resale, your next purchase, and the written guarantee terms together so you understand how they apply before proceeding.
Evaluate the Property and the Price
I help you compare available homes and relevant sales, look beyond the listing description, and identify questions about condition, ownership, and disclosures. My legal background informs the questions I ask about contracts and disclosures. When a property needs further investigation, we can coordinate with inspectors and other appropriate professionals.
Build an Offer That Fits Your Goals
Price is one part of an offer. Financing, contingencies, deposits, requested repairs, and closing dates also matter. I help you weigh those terms, negotiate, and keep the transaction’s deadlines in view.
Explore Homes With Low-Rate Assumable Mortgages
An existing low-rate mortgage may be worth investigating alongside homes requiring a new loan. I help you compare the purchase price, remaining loan balance, interest rate, monthly housing costs, and cash needed to cover the seller’s equity.
For example, a $900,000 home with a $600,000 assumable balance leaves a $300,000 gap before closing costs. The lender or servicer must confirm whether the loan can be assumed, the buyer’s qualifications, and the approval timeline. Together, we compare the complete purchase with your other options before you decide. Learn about assumable mortgages.
Consider a 2/1 Buydown for Lower Initial Payments
A 2/1 buydown temporarily reduces the principal-and-interest payments you make during the first two years. The mortgage’s interest rate stays the same; money set aside upfront covers the payment difference.
For example, with a fixed 7% mortgage: your payment is calculated using 5% in year one, 6% in year two, and the full 7% from year three onward. This is an illustration, not a rate quote. Property taxes, insurance, and any HOA fees are additional.
I can negotiate a seller credit toward the buydown, subject to the seller’s agreement and your loan program’s limits. Your lender confirms availability, the upfront cost, and the payment schedule. We compare that credit with a price reduction, closing-cost assistance, or paying points for a permanent rate reduction.
Plan for the full payment. For a conventional fixed-rate loan, you generally must qualify at the full mortgage rate. Choose a payment you can afford after the subsidy ends; refinancing is not guaranteed.
Let’s Discuss Your Home Search
Tell me where you want to buy, your expected timing, and what you’re looking for.