Buying & Selling A Home Just Got Easier.
I want all of my clients to know my experience in real estate investment and management doesn’t make home buying and selling a side project for me. In fact, finding you your dream home or your dream buyer is my sweet spot. Just ask my happy clients!
I’m a firm believer in the idea that you hire a real estate agent to take the hard work off your plate so that buying or selling can be the exciting process it should be! That’s why I work closely with my clients, taking the time to understand their needs (and wants!) and leveraging my unique experience, skills, and connections to deliver the perfect product. Buying and selling a home just got a whole lot easier.
Scott’s Must-Do’s Before Buying Your First Home
I want to help you get the best home for the best price. Doing just that is going to be a lot easier if you can get the best mortgage, and your credit score is key. Don’t even think about buying a home until you’ve checked your credit score! Comb through your credit report and dispute inaccuracies, pay off as much debt as possible and automate bill payment so you never miss one. These will all help improve your score.
Want to have your best shot at a good mortgage? Deal with your debt. Pay off as much of it as possible, and look for any possible ways you can increase your income. That’s right, it might finally be time to ask for that raise. Mortgage lenders will look at your debt-to-income ratio. The more of your income that will go to pay off existing debt and your mortgage, the less likely you’ll be to get a good rate.
Ever heard of a down payment? Yeah, it’s pretty essential for buying a home. In fact, only veterans can buy without putting any money down (thanks to the VA loan program). The more money you can put towards your down payment, the better mortgage you’ll get (seeing a theme here?). Having money in savings also ensures you’ll be able to handle the costs of homeownership, like insurance and maintenance.
Talk to your mortgage lender or real estate agent to make sure you have a good idea of how much money you’ll need to close on the house. On top of down payments, you need to get ready to cover closing costs. These can include origination fees, home appraisal costs, private mortgage insurance premiums, title transfer expenses, and more.
Think you’re ready to take the next big step? I know you are! Talk to your lender to get preapproved for a mortgage. Once you have that figure in hand, you’ll know your exact home buying budget and can start the fun part – shopping for your dream home!
Now that you know how much you can afford, you get to start checking out houses. I can help! People will tell you that housing inventory is tight, but I can find off-MLS listings, distressed properties, and other non-obvious homes to help you get into your dream home at your dream price.
You’ve put a lot of work into getting to this point. It’s time to celebrate! You love your house, and all you have to do now is wait for closing to wrap up. Then it’s time to plan your house warming party!
Determine Your Mortgage Using Our Mortgage Calculator
The Seller’s Net Sheet
Want to get a clearer idea of what you’ll actually have in your bank account after your home sale closes? Take a look at our example, then fill out our form to get yours!
“If you go anywhere, even paradise, you will miss your home.”
– Malala Yousafzai
The 8 Steps To Selling Your Home
You probably love your home. Even if you’re moving out because it doesn’t fit you anymore, there’s usually a tinge of sadness to say goodbye to the place where you’ve made a lot of memories. That’s normal! Get past that by getting excited about your next place. Come up with goals for your new home by making a list of needs and wants.
I can help you determine how much your house is worth and help you prepare your house to get top dollar. As an expert in our local market, I know exactly what makes Conejo Valley buyers tick. I’ll look at comparable houses in your neighborhood, current market conditions, and what makes your home unique to help position your home to sell.
Want to know the number on things you can do to make sure your home actually sells? List it at the right price. I can help you come up with the perfect number to make sure you’re maximizing your profit without pricing yourself out of the market.
Spreading the word about your listing is crucial. Without doing this, you’ll be lucky to have even a couple buyers knock on your door! I have a developed marketing program that I can initiate to make sure the right buyers are getting the right information about your home.
Once you find a buyer willing to make you a great offer, it’s time to figure out the logistics. I’ll be your ally when we head into negotiating, ensuring you make the calls that will leave you netting the most money without losing your buyer.
Once negotiations are finalized, it’s time to work on your closing paperwork (fun stuff!). There will be quite a bit of documentation to wade through, but there’s a serious silver lining: the money you’ll get when you’re done!
Now that you’ve sold your home, you need to think about where you’re going to live next. Don’t put off finding your future home so you – and all of your boxes – aren’t left in limbo. Hopefully, you started packing once your home sale started to fall into place, making this step easier.
You’re done! All that work yielded a big benefit – a handsome sum from your home sale! That much money coming your way is well worth celebrating, so it’s time to break out that Waterford flutes and the Dom. (Or, just maybe, your agent will drop off a bottle.)