Mortgage & Affordability Caculatore

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Before anything else, make sure you understand “What’s Driving the Change in Today’s Morgage Rates”? I’ll show you how to track and predict where rates will be heading next. Then, make sure you have your mortgage approval in hand. Also, make sure it is up to date. This tells sellers you’re a serious buyer, helps you understand what you can afford, and gives you a clear budget. No guesswork is needed! 💹

Interest rates might not drop until the Fed changes its policy on Interest Rates. Until then, you need to know if buying a home with a home prices table and higher mortgage rates is better. Or, buy with home prices go up due to supply and demand, and the mortgage rates are lower. That’s why you need to “Know Your Home Purchasing Power.”

You can dial into your ideal home based on your criteria on my website. Watch the video and separate your must-haves from your wish list. Take the extra time to ensure the home(s) meet your needs. Ask yourself what matters most to you – Location? School District? Large Lot? Finished Basement? 3-car garage? You get the picture; be specific about what you need vs. what you want! 🌠

Not all homes are created equally. Put your homes in order, from top pick down to the least favorite. We don’t want to miss the one because it got lost in the shuffle. 🔢

Before we walk through the door, let’s prepare your questions in advance and do a background check on the house. How long has it been on the market? Is the home priced Right? Let’s have it in hand and review the seller’s Disclosures. Is there a Homeowners Association, and what are the fees? Depending on the answers, some homes may not make the cut⁉️

Now, it’s time to set up those appointments. Do you want to view them all in one day or spread them out? We want to ensure you can comfortably explore each home without feeling rushed. Make sure you dress comfortably and bring snacks if we make the day of it. 🎯

We may see many homes, and they’ll blur together. Take notes or photos, or better yet, videos, about the unique features you liked vs. the drawbacks of each property. I’ll inform the agent when I schedule the appointment, so the seller knows. 📸

As you walk through each home, envision your life there and how you’d use the space. If you have kids, maybe they should be with you as they are part of the decision-making process.🤩

When you go home and have some time, review your notes, including pictures/videos. Are there any deal breakers, and must we remove them from the list?🔢

If you’re torn between a few homes, consider revisiting your favorites for a 2^nd look and prioritize that list. Sometimes, a return visit can clarify your decision. 🔀

Awesome 😃 you’ve found the one. I’ll help you craft a compelling offer that stands out but stays within your budget. I’ll guide you through the ins and outs so you can make the best decisions for you and ensure we’re putting our best foot forward. Let’s get started💥

Yes, you read that right. 🎉🥳 Once you’re at this stage, you’re just a hop, skip, and jump away from owning your new home. Waiting for the seller(s) response can be nerve-wracking, but don’t stress. I’ll keep you updated on any news, and we’ll be prepared for any counteroffers or additional negotiations. ✨🏡

Next is the Home Inspection 🏡🔍 and possible negotiation with the sellers. 

So, are you excited❓Each step gets you closer to holding the keys to your new home. Your ideal home is waiting, and I can’t wait to help you find it. 🏡🎉💥