Buyer
Are you considering the possibility of becoming a homeowner? Many individuals do not realize that homeownership is within reach. A home is a financial asset and more. It’s a place to live and raise a family; it’s a plan for the future; it’s an investment in your community. Knowledge is said to open doors. This is literally true when it comes to buying a home. Danita is here to be the Real estate agent Elkhart Indiana option you are looking for!
If you are a first-time homebuyer, the home-buying process can seem complicated, but it doesn’t have to be. So many questions can arise when you start thinking about finally investing in your own home but where do you begin? Finding the right real estate agent is super important. You want someone who listens well and who is willing to take the time to understand your goals and whose judgement you can trust.
Your real estate agent should be someone you feel comfortable speaking with. Someone who is straightforward and honest. I will not only guide you through the major steps you’ll take during the home-buying process but also explain the relationships and experts you’ll need along the way – That is including me!
From finding a mortgage lender to finding the right home to making an offer and finally getting the keys to your very own home. I will be there for you every step of the way. My goal is to be the Real estate agent Elkhart Indiana option you need, allowing all dreams to come true!
The following are some common questions and answers that you may find helpful:
How do I know if I am ready to buy a home?
If you have a steady source of income and the ability to pay a monthly mortgage plus additional costs such as utility bills, then you are probably ready to buy your own home.
How does purchasing a home compare to renting?
No comparison! Renting generally relieves you of maintenance responsibilities, but you lose the opportunity to build equity. You face rent increases and usually have little to no ability to make changes. Owning your own home gives you many benefits and the ability to build equity every time you make a payment or make improvements. That is an investment. Renting does have. Danita is the go to choice when you need a Real estate agent Elkhart Indiana team!
How do I begin the process of purchasing a home?
Start with a real estate agent who you trust and feel comfortable speaking with. Your agent canhelp you find a lender that can provide you a mortgage loan that best fits your needs. Once the lender approves you for a mortgage loan and determines the dollar amount they are willing to lend you, we can then begin touring homes within the price range based on your pre-approval amount set by your lender.
How will I be able to see the homes I’m interested in seeing in person?
When you find a home online that you would like to see in person, simply give me the address and I will get you additional information about the home and arrange a private viewing through the seller’s agent where we can look at the property together. During these showings you have access the best Real estate agent Elkhart Indiana has!
How do I make an offer?
Once you have decided on the right home for you, it’s time to make an offer. I will walk you through this process in detail. In the past a common thought many buyers would have was to offer low and get a counteroffer. That approach doesn’t work well in today’s market. Making a dramatically low-ball offer may not even be considered and chances offending the seller.
Should I open a new line of credit or use a credit card to buy furniture or a car after I get pre-approved and before closing on my new home?
NO! This is a for sure way to get denied for your home loan right before closing. The lender will do a final credit pull a few days before closing and if your financial situation changes, you will likely lose your mortgage loan approval. It is best to wait until after closing to do any large purchases. During the home buying process, always speak with your loan officer before making any major purchases because it may have a huge impact on your ability to secure a mortgage.
Before you really get busy with a search looking for your new home, I recommend you take a little time to determine your lifestyle needs and goals. Do you prefer to be within walking distance of certain amenities, shopping and restaurants or does a suburban neighborhood sound more appealing? Are you looking for a neighborhood with young families, over 55 or a mixture of both? Are schools important to you? Does square footage and number of bathrooms matter? These are all questions that arise when searching for your new home. I suggest creating a “needs and must haves” list plus a “wish” list. I recommend thinking about the next 5 – 10 years of your life keeping in mind what option would work best with your lifestyle. When it comes to your goals allow the elite Real estate agent Elkhart Indiana option to help here with Danita!
No matter if you are just beginning to think about the possibility of owning your own home for the first time or you are wondering if a change might be in your best interest, I can help you navigate those questions. What distinguishes my services from those of other real estate agents is my commitment to serving my clients by providing ongoing real estate advice and assistanceas long as they need it and want it. Over time, I have built relationships with many contractors, service technicians, loan officers and even locksmiths. With a helper’s heart, I have built long-term relationships and why my active client list consists of friends or family members of those who I have served in the past or are continually serving today.
Whether you are looking for an agent in Northern Indiana or Southwestern Michigan, I would be honored to team up with you on your home search adventure. My goal as your real estate professional is to understand your goals and to help you achieve them. If you aren’t sure exactly what they are, no problem. Let me put my negotiation skills and home buying experience to work for you. Our team will make sure you get the Real estate agent Elkhart Indiana option that you are looking for.