Choosing your real estate professional is, perhaps, the most important decision you will make when buying property. I believe the more you look around, the more you will see the value of working with me.
I've helped over 1,000 people realize the dream of home ownership and my team of experienced agents and brokers has the expertise to make sure your purchase goes as smoothly as possible.
We look forward to making your dream home a reality!
-JW Webb, Managing Broker
BEFORE YOU SHOP:
Be a smart consumer. Learn the financing basics. Know how to shop for a home loan that's right for you. If yo're not sure, ask me to get you in touch with a banker you can trust to put your best interests first.
Get pre-approved. This takes very little time and lets you know the price range that fits your lifestyle. Pre-approved buyers (where you're fully approved and just need to find the house) also have a better chance of getting their offer accepted over buyers that are only "pre-qualified".
Need a lender? We are extremely picky about who we refer our clients to, because we want them to be very well taken care of. We now work with a select few loan officers throughout the northwest that have proved to be the best of the best for our clients and we've been working with them exclusively for quite some time now. We would be happy to refer you to them--they will do a fantastic job for you!
Know what you want. The last thing you need is to close a deal and realize you bought a house you don't want. Ask yourself what you're looking for in a home, before you shop. Think about size, commute time and necessary repairs.
Keep your debt load to a minimum. DO NOT make ANY major purchases or incur ANY additional debt until after your purchase. Pay down credit cards and DO NOT apply for new ones. Major credit purchase (like buying a new car) could kill your chances of being approved for your mortgage. Remember, financial institutions evaluate your financial situation on your gross monthly income. Your total monthly house costs should not exceed 28 percent of your gross monthly income.
Be prepared to view new properties quickly. Sometimes homes sell quickly, so be ready to make fast decisions. Be accessible to change the terms.
Before you buy:
Submit a strong competitive offer.
Include a substantial earnest money deposit. Sometimes offers are accepted based on the amount of the deposit.
Try to minimize the number of contingencies. Fewer contingencies mean a stronger offer.
Hire a home inspector. A professional building inspector or appraiser will make sure the house of your choice is in satisfactory condition.
Check zoning regulations and covenants. Good residential neighborhoods will be zoned to keep out commercial and industrial users. Read any restrictive covenants and make sure they fit your lifestyle.
Request an updated property survey. Be sure it clearly marks boundaries. Check for problems.
Make sure you know what stays or goes.
Your contract should be very specific about which items (appliances, etc) are included in the sale.
Get agreements in writing. Make sure that all verbal agreements are written into the final contract to avoid any stressful and expensive issues later.