Thinking of Buying?  
Here are a few things you need to know first

Consider Your Holding Time

Even in a changing economy, homeownership is still a solid investment and a great way to build wealth for your family.  However, you need to commit to your purchase for at least a few years.  If you are looking to move relatively quickly, say in less than three years, now may not be the best time for you to purchase. Remember there are costs to buying and selling.  The longer you can stay put, the more you will maximize your investment.

Credit Matters

As the mortgage industry tightens up, your credit is paramount.  A few months in advance, request your credit reports and review for errors.  Any fixes you can make prior to your mortgage application will help secure you a better rate and possibly a better mortgage.

Affordability

When making a purchase, be realistic about the price.  A decent rule of thumb for housing purchases is two and a half times your annual salary.  However, your debts and income can make a difference in your specific situation.

Work with Me

Other considerations including loan options, areas, school districts, negotiations and inspections are all important during the process.  It may be more important whom you choose to work with than the specific home you purchase.  Real estate transactions can be confusing and frustrating.  When you work with me, you can rest assured that I will not only handle the details, but make sure your interests are protected.