Choosing a real estate professional to advise and represent you is an important part of the home purchase process. Questions to consider when selecting your real estate advisor:   

• Are your communication styles compatible?    

• Is the agent full or part-time?   

• Can the agent provide client testimonials?   

• Is the broker experienced?   

• Will the broker prioritize your best interests and advise you on the most favorable negotiation points and contract terms?

We encourage you to discuss with your accountant or financial advisor how a home purchase will impact your financial goals.

Consult with two to three knowledgeable and experienced mortgage brokers to compare interest rates, financing terms and any lender programs you may qualify for based on income, profession, or location of the property. When you have chosen a mortgage broker the next step is to begin the pre-approval process.

To receive your Pre-Approval Letter, your mortgage professional will require financial documentation such as federal tax returns, paystubs, asset statements, etc. A Pre-Approval letter means the mortgage lender has verified the financial information provided in your loan application and confirms your eligibility for the approved loan amount. It also demonstrates to a seller that you are a serious buyer who can close the transaction is qualified to purchase a home for a specified amount. 

Our objective as your real estate advisors is to understand your priorities and establish your property “must have” vs “nice to have” lists.  Points to consider are:  

• Purchase timing as it relates to the end of a lease or relocation to a new city. 

• Location and neighborhood: proximity to work, school, transportation, etc. 

• Type of Home: condo, townhome, single family, two-flat, new construction, high-rise, vintage, re-sale, fixer upper.

• Features + Amenities: garage parking, interior finishes such as wood floors, quartz countertops, fireplace, outdoor space, building amenities (door person, fitness center, pool) and condominium association regulations (such as their pet policy, rental restrictions).