One of the best ways to build wealth is through real estate. I feel like people who rent (unless they know they'll be moving away from the area within a year or two) do not know how to begin to purchase a home. I think they may be scared of the process. Perhaps their parents never taught them the value of homeownership or perhaps the people around them have said that they need 20% for a down payment. NOT TRUE.

Are you ready to stop renting and start building equity for your future? If you would like to buy a home but are unsure on the process, you are not alone. BUT, you have me! As a former teacher, I have taken my educational passion and applied it to my real estate career. What is even better is that my services as a buyers' realtor is free to the buyer! Meaning...you do not pay me to help you purchase a home!

It is very important for buyers to realize that not all real estate agents are the same. Were all of your teachers the same? Hmmm...think about the ones who work hard. You want a realtor who works just as hard 24/7.

So where to begin? Start with getting your finances in order.

After you look at your bank accounts, check your credit score, and look at your debt, you'll be prepared to work with a lender. Reach out to me first and I can put you in touch with a mortgage lender who will work with you. No pressure...just a conversation to find out if you're ready. If you're not ready, that lender can help you make a plan for the future.

Understanding your personal situation and what you can afford is the first step. Contrary to what people may tell you, you DO NOT need to put down 20% to buy a home; depending on how much you make and the type of mortgage loan you get, you might be able to put down as little as 3%, 3.5%, or even 5% down. The lender will ask for proof of employment, your income (W-2s, 1099s), copies of monthly bank statements, and your last two years of tax returns. Get those together so you're ready to start the conversation.

Once you are pre-approved and have some money saved, we can start shopping. Working with a seasoned and busy realtor is incredibly important. Work with someone you feel comfortable texting or calling. If an agent is slow getting back to you every time you call or text, beware. Strong agents have pulses on the market. For instance, the market is not is insane as it was just a month ago. There's more inventory and less buyer frenzy, but rates are still low. Work with someone who is creative. I can craft a good offer for you that will be appealing to a seller. Also, while we are touring homes, think about things you can't change. I'm sure you've heard the saying, "Location, Location, Location." Don't let outdated homes scare you. As a first-time homebuyer, it's smart to look for a property that you add value to by painting, updating fixtures, flooring, cabinets, countertops, etc.. 

Buying your first home is an event worth celebrating. If you know you're staying in the area for the next few years, it's time to stop renting and start working on your financial stability through homeownership.

I'm still a teacher who loves education. Call me and ask questions. My husband and I knew nothing when we bought our first home, and I was so thankful for our realtor who helped us through the process. Let me be that person for you.

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