Your decision to purchase a home is a big one! My objective is to assist you by providing you the information you need to make an informed decision. The only stupid question is the one you should have asked but didn’t. I am here to help you.
Refinancing A Home
Seeking to refinance your home for a lower rate or to take cash out? Rest assured that I will work with you to get the best deal possible. This includes assisting you in finding the lowest rate and APR available to you. Contact me today!
First Time Home Buyers
Congratulations on making a decision to purchase your first home. It is okay to feel anxious and excited, that is normal. You can count on me to walk you step by step through the process and assisting you in reaching your goal of home ownership.
Are you a veteran, first time home-buyer, doctor, nurse, self-employed or a seasoned home owner? Regardless of your experience, job title, or goal I can assist you in finding a loan program that fits your needs. Reach out to me today.
What Does The Home Buying Process Look Like?
Does the thought of purchasing your first home have you feeling anxious, excited and full of questions?
If you answered yes, these emotions are normal.
Check out the steps to purchasing your 1st home.
1. Speak to a loan officer.
Purchasing your first home is an emotional decision and possibly the biggest purchase you will make in your life. Contact me today to discuss your goals and determine next steps.
2. Complete the loan application.
Once you have decided to purchase your home the next step is to complete the loan application. During this step we will check your credit, calculate your qualifying income, and determine how much home you may be able to afford.
3. Get pre-qualified.
After the loan application is complete you will need to submit documentation to prove your ability to repay the mortgage. You will need to supply 2 recent paystubs, 2 recent bank-statements and the last 2 years tax retuens and W2s
4. Look for your new home!
This will be your favorite part of the loan process. Once you know how much home you can afford, your realtor can begin showing you homes in your price range. Word of advice…once you find a home that suits your needs make sure to move quickly to step 5.
5. Write the contract and head to underwriting.
Once you have located your new home you it is imperative that you make an offer on the property. A common mistake many 1st time buyers make is believing the property they like will be there in a few days or weeks. After your offer is accepted your loan file will move to the underwriting stage for final approval.
I am a U.S. Navy Veteran , father of four children, and an entrepreneur. In 2002, after working at the Pentagon for eight years managing a government contract, I decided to make a career change. My background in retirement planning and financial services led me to the mortgage industry. My attention to detail along with my commitment to walk clients step-by-step through the buying process will make any home buyer feel completely at ease. By taking a servant approach to the mortgage business and focusing on the satisfaction of my clients and agents, I have built a high demand for my services. As the oldest of six, I am extremely family oriented. My two sons attend school in Prince William County and we are members of Chapel Springs Church in Nokesville, VA. Feel free to reach out tome with your financing questions.
“Choosing the right loan officer to assist you in purchasing your home is the first step to a smooth buying process. Please check out the video playlist to see what other people just like you are saying about their experience working with me.”