After you are Pre-Approved for a Mortgage and know what monthly payments you can afford, it’s time to have some fun finding your new home. With some information from you about your preferences, I can set up searches to locate that special home for your family. The more information you give me, the better search I can perform. These are talking points we can discuss when we meet to help me understand your needs and wants for your next home. Please understand you may not find a house that has everything you need and want for the price you can afford. It depends on the availability on the market. However, these talking points will help me understand what is important to you about your next home so that I can find what you are looking for.

  • Now that you are Pre-Approved for a Mortgage we can figure out your Price Range
  • What size lot do you prefer or do you want acreage
  • Is a big backyard, pool, or spa important to you

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  • Do you like a cul-de-sac or main street in a subdivision
  • Is privacy important
  • What kind of neighborhood do you prefer
  • Will you want a neighborhood Golf Course, Club House, Pool, Walking Trails, Lakes, Tennis Courts
  • Which school system do you prefer

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  • Which city do you prefer
  • Are tax rates important
  • Do you want to live on a Lake or River
  • What kind of view do you want
  • What architectural styles do you prefer
  • How many garage spaces do you require, if any
  • How many bedrooms and baths and half baths do you want
  • What kind of floor plan do you like
  • Do you want a bonus room or game room
  • Is a fireplace important to you
  • Will you want attic space, a basement, extra storage areas
  • Do you need a formal dining room
  • Does your furniture require certain room sizes
  • What kind of kitchen would you prefer

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  • Think about your convenience to shopping areas and employment
  • Square Footage
  • One or Two Story Home

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  • What style do you prefer?Ai?? Colonial, Modern, Mediterranean, Ranch, French, etc.
  • Do you have a preference for the year built

First Time Home Buyers:

  • Not sure what you can afford – your income and debts will typically play the biggest roles in determining your price range. It’s simple to make an estimate – just click on CALCULATORS above and run the numbers yourself.
  • Not sure if your credit is good enough – our’s special solutions program can help. They offer loan options ideal for those who have a few “dings” on their credit report. They try to work with every customer to develope an individual mortgage program – they call it your personalized rate, because no two are alike. So they try to develope a custom program based on your credit worthiness.
  • What’s the best loan for me? That depends on many factors. How long do you plan to stay in the home? How much money are you going to put down? How are you going to pay the closing costs?
  • Not sure what the tax benefits are for owning a home? You may be able to deduct the interest you pay on the mortgage loan and some of the financing costs, such as points. Your property taxes could be deductible. You should consult your tax adviser for more information. If you’re renting now, check out my Rent vs. Buy Calculator. I have over 10 calculators to choose from to help you know your options.
  • Will I have to pay PMI? Private Mortgage Insurance is usually on loans if your loan amount is greater than 80% of the sales price or approved value of the property, whichever is less.