real estate taylored for you

(705) 818-1201

real estate taylored for you

(705) 818-1201

buying, selling, or renting?

i'm Here To Help You With Any Questions You May Have

Using a Real Estate Team does have it’s benefits. However, I find when you work with an
Independent Agent like myself you know when you call or email for any questions that you will
be getting ME answering all of them and in a timely manner. There is no confusion who will be
representing you in your transaction. Being an independent Agent allows me to put all my
focus, energy and hard work into my
client’s and their Real Estate needs. Although I represent myself and my brokerage, being independent I also work alongside with a great group of Realtors®. I have a “Team” behind the scenes. A group of us who work alongside one
another for support. As we all know life happens, but I never want my valued clients worried if for some reason I cannot be there, and that is when I have my alliance behind me for coverage if ever needed. Something very unique to have in this industry.
This is a question I see many times. As a new buyer or any buyer, getting a Pre-Approval is a
great step. If you already have a Realtor® in mind, they may have some great referrals to different Mortgage agents they could recommend you to. You will want to get a few opinions to see what options work best for you. With the constant changing Interest
Rates, it is a good idea to lock in at the best rate that you can afford. A rate usually lasts when
locked in for about 4 months. If you are not sure what other things you should do when looking
to buy, these are some other very important factors:
Saving for a down
payment of at least 20%. This will allow you some flexibility on your house
hunting journey.
Building your Credit Score and having stable Income. Having creditworthiness is a tool that
lenders must obtain to seek for a mortgage loan. A score of 600 is th
e typical minimum lenders
look for, however having better credit can positively affect your interest rates. To build a strong
credit score, make sure payments are not late, credit cards are low or do not hold a constant
balance and limit inquiries on your
accounts. The biggest advice I can give to buyers is when
going through your purchase DO NOT make a large purchase such as a new vehicle until after
your home closes. This may affect getting your financing.
Those are some major steps before even considerin
g purchasing. Once you have a good down
payment, good credit and you have a mortgage commitment with a locked in rate, the next
step is to consider affordability. Working with your Mortgage specialist and realtor® determine
which locations best suit your a
ffordability. Remember, just because you are approved for a
certain amount, does not mean you should always purchase at your max. Be sure to budget
yourself accordingly. Consider closing costs, lawyer fees and costs of daily living before making
the move.
Once you are set to go, let the house hunting journey begin. Remember to have fun
with it. Try to have the ability to picture yourself and your family in a home and what you can
make of your new purchase.
As we know the market is continually changing. If the cards are right then in a perfect world it
would be best to sell in a seller’s market and best to buy in a buyer’s market. However, when
needing to do both, it is not always that simple. Sel
ling high in a seller’s market leads to buying
high. With a seller’s market inventory to purchase can often be low which in turn causes
bidding wars and overpaying. The same happens in a buyer’s market but with so much to
choose from prices can often drop.
So, you see how the tables can turn in each type of market.
The ideal market would be considered a Balanced Market. This is the best time to make the
move on both ends. The average sale time when selling your home in a balanced market is 60
90 days. This
is where we start to see conditions in offers like Financing and home inspections
come back into play. This is an ideal market as it allows time in decision making. You will still
see your home sell with time and be able to find the next “perfect” home wit
hout the rush or
fear of losing out which in turn causes inflation in the market by overpaying what the home is
worth. If you ever are unsure when it is right for you, make sure you contact an educated
Realtor® and someone who is local and knows the market
so they can guide you on your
journey.
Although a final walk-through is not mandatory it is often asked for in a typical offer for two
more visits before completion. Some may feel they do not need
another walk
through right
before close, but it is a good idea to do so. Viewing the home right before close allows buyers
to make sure the home looks just as good as the day they purchased it. Making sure that
everything that was stipulated in the deal is
there and in good working order, i.e., appliances.
You really should make sure that everything as expected is done, per the terms of the contract
especially if any repairs were to be done before completion.
I always use this quote “A good Realtor® doesn’t disappear one the closing papers are signed.”
I strongly go by this quote. When you hire me as your Realtor® I make sure to go above and beyond for you. I TAYLOR your needs as each transaction is different. I am there for my clients every step of the way. I make sure even long after a deal is closed to keep in touch and continue to be around for any future questions. Buying and selling a home can come with many
emotions and stress. I strongly believe having empathy, patience and understanding towards
my client’s emotions whether it’s an exciting time to purchase or sell or if it’s a difficult time. I believe in putting client’s stress on myself, without them even knowing it. Client care is always my number one priority. When I have a happy client, then I know I did my job!
People often ask what the benefit to having a Real Estate Agent is, and when selling why not
sell your home yourself. There are huge benefits to having a Realtor
®
represent you in your
Real Estate Transactions. First, they are properly educated to understand the market
trends. They are insured professionals to act on your behalf. Realtors®, especially local
to your area spend a lot of time working within the area an
d have a better
understanding of what the market is doing. Using a network of professionals such as
Brokers,
lawyers and many other skilled trades they are able to best guide you through
education and experience. With a Realtor
® they
are able to properly
negotiate for you in a
transaction on your behalf. If you are a For Sale by Owner, often enough putting a sign on your
lawn is not enough exposure to sell your home. Real Estate Agents pay yearly dues to be on
different Real Estate Boards. With this, it al
lows them to post your home on the MLS® system
and market your home on many avenues allowing thousands of Agents to see your listing and
bring potential buyers. Realtors® also have pricing expertise, tackle all the paperwork, and
prevent many issues with c
losing. When you are a buyer, having an agent allows you to have
much more flexibility with viewing homes you are interested in. There are several more factors
that are positive when having an agent represent your needs. A big one is taking a lot of the
st
ress off your shoulders
This question can vary. Depending on organization and motivation time can look different to
many buyers. If you are ready to house hunt and find the home of your dreams, then the
ave
rage timeframe is about 10
12 weeks from the point of searching online and closing. Closing
a home can take on average in a normal market anywhere from 30
60 days (about 2 months).
However, very motivated buyers and sellers have been known to close even faster than the 30
day mark.
You may be very relieved to hear this answer, and to be honest, new home buyers often do not
know the answer to this question. Truth be told, you pay little to NO commission a
s a buyer to
the agent representing you. The reason for this is that usually in a transaction there is two
agents working on the deal on each side (sometimes an agent will represent both sides, and
maybe they will work out a deal on their commissions). As
a buyer working with an agent
separate from the seller’s agent the buyer does NOT pay anything to the agent representing
them. The commission comes from the seller’s side in the deal. The seller(s) pay out of their
sale a commission to their agent and to the respective buyer’s agent.
Using a Real Estate Team does have it’s benefits. However, I find when you work with an
Independent Agent like myself you know when you call or email for any questions that you will
be getting ME answering all of them and in a timely manner. There is no confusion who will be
representing you in your transaction. Being an independent Agent allows me to put all my
focus, energy and hard work into my
client’s and their Real Estate needs. Although I represent myself and my brokerage, being independent I also work alongside with a great group of Realtors®. I have a “Team” behind the scenes. A group of us who work alongside one
another for support. As we all know life happens, but I never want my valued clients worried if for some reason I cannot be there, and that is when I have my alliance behind me for coverage if ever needed. Something very unique to have in this industry.
This is a question I see many times. As a new buyer or any buyer, getting a Pre-Approval is a
great step. If you already have a Realtor® in mind, they may have some great referrals to different Mortgage agents they could recommend you to. You will want to get a few opinions to see what options work best for you. With the constant changing Interest
Rates, it is a good idea to lock in at the best rate that you can afford. A rate usually lasts when
locked in for about 4 months. If you are not sure what other things you should do when looking
to buy, these are some other very important factors:
Saving for a down
payment of at least 20%. This will allow you some flexibility on your house
hunting journey.
Building your Credit Score and having stable Income. Having creditworthiness is a tool that
lenders must obtain to seek for a mortgage loan. A score of 600 is th
e typical minimum lenders
look for, however having better credit can positively affect your interest rates. To build a strong
credit score, make sure payments are not late, credit cards are low or do not hold a constant
balance and limit inquiries on your
accounts. The biggest advice I can give to buyers is when
going through your purchase DO NOT make a large purchase such as a new vehicle until after
your home closes. This may affect getting your financing.
Those are some major steps before even considerin
g purchasing. Once you have a good down
payment, good credit and you have a mortgage commitment with a locked in rate, the next
step is to consider affordability. Working with your Mortgage specialist and realtor® determine
which locations best suit your a
ffordability. Remember, just because you are approved for a
certain amount, does not mean you should always purchase at your max. Be sure to budget
yourself accordingly. Consider closing costs, lawyer fees and costs of daily living before making
the move.
Once you are set to go, let the house hunting journey begin. Remember to have fun
with it. Try to have the ability to picture yourself and your family in a home and what you can
make of your new purchase.
I always use this quote “A good Realtor® doesn’t disappear one the closing papers are signed.”
I strongly go by this quote. When you hire me as your Realtor® I make sure to go above and beyond for you. I TAYLOR your needs as each transaction is different. I am there for my clients every step of the way. I make sure even long after a deal is closed to keep in touch and continue to be around for any future questions. Buying and selling a home can come with many
emotions and stress. I strongly believe having empathy, patience and understanding towards
my client’s emotions whether it’s an exciting time to purchase or sell or if it’s a difficult time. I believe in putting client’s stress on myself, without them even knowing it. Client care is always my number one priority. When I have a happy client, then I know I did my job!
People often ask what the benefit to having a Real Estate Agent is, and when selling why not
sell your home yourself. There are huge benefits to having a Realtor
®
represent you in your
Real Estate Transactions. First, they are properly educated to understand the market
trends. They are insured professionals to act on your behalf. Realtors®, especially local
to your area spend a lot of time working within the area an
d have a better
understanding of what the market is doing. Using a network of professionals such as
Brokers,
lawyers and many other skilled trades they are able to best guide you through
education and experience. With a Realtor
® they
are able to properly
negotiate for you in a
transaction on your behalf. If you are a For Sale by Owner, often enough putting a sign on your
lawn is not enough exposure to sell your home. Real Estate Agents pay yearly dues to be on
different Real Estate Boards. With this, it al
lows them to post your home on the MLS® system
and market your home on many avenues allowing thousands of Agents to see your listing and
bring potential buyers. Realtors® also have pricing expertise, tackle all the paperwork, and
prevent many issues with c
losing. When you are a buyer, having an agent allows you to have
much more flexibility with viewing homes you are interested in. There are several more factors
that are positive when having an agent represent your needs. A big one is taking a lot of the
st
ress off your shoulders

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