Keller Williams Realty
Where Do I Start? I Want To Buy A House.
I work with many first time home buyers and may buyers that haven't bought a house in many years. From the outside looking in, the process seems like a Monster In the Closet. From the inside looking out at you, my client, I kill the monster.
There are two important ways to start. The first is to have a conversation with me. I come from a mortgage and real estate background so I am going to be able to help you understand the mortgage process as well. If we agree that you want to proceed, the next step is the qualification.
There are a few ways to do that, too. You can walk in to a local bank or credit union and apply for a mortgage. Or you can fill an application online with various places. I will help you with that process. You will need income paperwork and debt information and we can determine how much money you will need.
We have to know what you qualify for in order to find you the perfect house you want at a price you can afford.
WARNING!! Not all banks are created equal. If one bank says no that doesn't mean everyone will. Here is a list of things that differ. This is not an exhaustive list.
|Right Start Mortgage Amarillo|
- Program types--Conventional, FHA, VA
- Credit scores--range from 580 to over 700
- Some lenders will/will not do mobile homes
- Down payments
- Different debt-to-income ratios
- Different types of properties
- Maximum and minimum loan amounts
- Closing costs
To name a few. With a mortgage background, I am often able to solve programs that many others with out the experience can't do.
Next step: Come to my office. I have a complete packet of information for you that will help you understand the process from A to Z. You will have it as a reference guide but still remembering that you can contact me or my assistant, Trudy, at anytime with questions. At that time you will be able to download my personal search app in order to be able to search for houses better. This app includes all listings--not just Keller Williams listings.
We will also sign a Buyer's Representation Agreement. The nutshell version of that is that I am faithful to you and you are faithful to me. Without it, technically I would represent the seller.
We are electronically based and as such we can do all signatures online if that is comfortable for you. Trudy will send you a letter with instructions on how to use it (dotloop) along with some buyer disclosures for you read.
Next step: We analyze what you are looking for in the way of a house. We stay within your budget and search for what is available. Once we have picked out a few, we can go look at them. That is the fun part!!
Once we have found the house, that is when my whole team steps up and goes to work for you. They include: inspectors, appraisers, surveyors, title company personnel and mortgage company personnel to name a few. These are things that you will have knowledge of that is happening but we take care of the details for you.
So what do you say? Want to give it a shot?
Call me. Text me. Email me. Come see me. Let's get you on your way to home ownership!
Keller Williams Realty
3955 S. Soncy
Amarillo, TX 79119