2 Home Buying Tips

1. Start by polishing up your credit.
Since you most likely will need to get a mortgage to buy a house, you must make sure your credit history is as clean as possible. A few months before you start house hunting, get copies of your credit report. Make sure the facts are correct. Fix any problems you discover. This is where I can help.

2. Get professional help.
Even though the Internet gives buyers unprecedented access to home listings, it's still a good idea to use an agent. I work with knowledgeable real estate professionals who will have your best interests at heart and can help you with proven strategies during the bidding process.

Why Should I Buy, Instead of Rent?

You'll love the feeling of having something that's all yours - a home where your own personal style will tell the world who you are. A thriving vegetable garden in the backyard, a tiled entryway, a yellow kitchen...when you own, you can do it all your way! But there's more to owning a home than personal satisfaction. You can deduct the cost of your mortgage loan interest from your federal income taxes, and usually from your state taxes, too. And interest will compose nearly all of your monthly payment , for over half the number of years you'll be paying your mortgage. This adds up to hefty savings at the end of each year. And you're also allowed to deduct the property taxes you pay as a homeowner. If you rent, you write your monthly check and it's gone forever. Another financial plus in owning a home is the proven possibility its value will go up through the years.

I can help you make a wise business investment by finding the perfect first home for you. Just tell me what you are looking for and I'll make sure you'll be aware of every possible new listing in the area that matches your needs.

Home buying tip: Moving Funds in and out of bank accounts during and right before your home buying transaction

There is so much to remember when purchasing a home. One very important tip when it comes to buying your home is to be sure NOT to make any deposits into your bank accounts that can not be explained or sourced with documentation.

My advice to my clients is to always check with me before moving any funds in or out of a bank account. Unfortunately a move like this can compromise your home loan if it is not done correctly or talked over first with your mortgage lender. A simple task to discuss, which will create a much smoother closing on your home buying journey.