Mortgages

Mortgages

Whether you're buying or selling a home, your lender plays an important role in the success of your transaction. I can't stress enough how important it is to work with a reputable lender who has a proven track record of getting to the closing table on time. I have several local lenders I work with and trust, and I'm happy to introduce you to them.

Buyers

Before you start looking at homes, you need to know what you can comfortably afford. That's where a good lender comes in.

Your buying power isn't just about the purchase price. Your monthly payment can be affected by your down payment, interest rate, property taxes, homeowners insurance, HOA fees and, depending on the property, other costs.

The type of home you're buying can also make a difference. A single-family home, townhome and condo can each come with different costs, requirements and considerations.

Getting pre-approved before you start looking is an important first step.

A good lender will help you understand your options, explain the numbers and give you a realistic idea of what your monthly payment could look like before you fall in love with a home.

Good decisions come from having good information. The goal isn't simply to determine how much you can borrow. It's to understand what you're comfortable spending and make sure the homes you're looking at fit within that budget.

Sellers

You may be wondering why you should care about the lender your buyer is working with. Because you want to sell your home and close on it.

Before accepting an offer, I want to know that the buyer's financing is solid and that the lender is responsive and capable.

I have a detailed list of questions that I ask the lender on behalf of my sellers. It's never a guarantee that there won't be issues, but it gives us another layer of information when we're evaluating an offer.

Being proactive is always better than finding out about a problem after you're under contract.