Huge sites like Zillow and Realtor.com make some feel that they can find or sell their home on their own. But think about it, if you were in court with a potential judgment hanging over your head of several hundred thousand dollars you probably wouldn’t try to represent yourself. 

A good real estate agent is an expert guide who can protect you from costly mistakes, represent your interests and be on your team. And that’s what we do.

We know buying and selling properties like the back of our hand. If you do too, no need to hire a real estate agent. But if you don’t, do yourself a favor and get in touch!

Your debt-to-income (DTI) ratio measures the percentage of your monthly income that goes to debt payments (in this case, to paying off your house.) A DTI of 43% is typically the highest ratio that a borrower can have and still get qualified for a mortgage, but lenders usually look for ratios of no more than 36%.

Purchasing a home is all about budgeting and working out what fits your specific circumstances- and seeking advice from experts and people you trust. 

In our opinion? Send us a message. Tell us about your needs and trust us to guide you through the whole process.

Not ready to hire a real estate agent? Then technically the first step would be to get pre-approved for a mortgage. This is because you need to know how much money you can borrow. The loan estimate will also show you how much money is required for the down payment and closing costs.

Finding a home can take anywhere from three weeks to six months. Once a home is selected and the offer is accepted, the average time between signing the contract and closing (also called the escrow period) is 45-60 days. But this period can be as little as two weeks if you are a cash buyer. 

In most cases the seller (not the buyer) pays the commission to both the buyer’s and the seller’s agents, however this is negotiable and is not always the case. So it’s always good to clarify what is expected in your given situation.