Hi!

I look forward to working for you. My email even says so! Valerieworx4U@gmail.com

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Selling a home:

1.  Find a real estate agent - Valerie Williams

2. Declutter and stage - Decluttering is one thing, but it may take more than tidying up to present your home in the best light. Staging can include removing personal items and photos to neutralize a space, repainting, and even bringing in new furniture to give your home a brand-new feel.

3. List and market your home - I take care of this for you! Using the RE/MAX powerful technology we can get your home sold!

4. Review offers and negotiate - You may be anxious to accept that first offer but first consider things carefully with your agent Valerie Williams.

5. Complete the home inspection -After reaching an agreement, the potential buyers will contract with a home inspector to check the property for damage and necessary repairs. The inspector will typically check the heating and air conditioning systems, plumbing and electrical systems, roof, attic, ceiling, floors and other parts of the house. 

6. Complete the home appraisal -The buyer’s mortgage company will conduct a home appraisal to estimate the fair market value of the property. 

7. Closing - The final day is here! The day you close escrow is the day you and the buyer sign the final paperwork and transfer ownership of the home. As the seller, you may be able to sign the documents off site or online, but your escrow company may prefer an in-person meeting. You’ll need to have all of your belongings removed from the house on the day of closing. 

Buying a Home:

1. Choose an agent -Valerie Williams

2. Once you’ve chosen a real estate agent you trust to be your advocate, ask him or her to recommend lenders, either an organization or a person who will lend you money so you can buy your home. My experience working with mortgage brokers can be used to recommend lenders. Choosing someone to handle the financial part of the home-buying process can feel like a scary step, but choosing a lender that offers competitive rates, is communicative, and available is key. Often mortgage companies consider you a file, not a human and if they aren’t available on the weekends or evenings, can they really serve you?

3. Clean up your credit - Now that you have a great lender, you can ask for guidance on any credit score issues you may be facing. Whether it’s a small or large problem, the lender can provide guidance to help repair your situation and make sure you’ll be approved for a loan.

4. Apply for mortgage pre-approval - A lender will help you determine exactly what you can afford and, therefore, which houses you should be considering. To arrive at a purchase price, you’ll factor in expenses like homeowners' insurance, association dues (if they are a part of the home you want), and utilities to make sure you can comfortably make your mortgage payments. The lender will then identify the total amount of money it’s willing to lend you. Having a pre-approval letter in hand when you’re ready to purchase a home adds strength to your offer. Just remember this is not a final approval for financing your home so try to hold off on making any other major purchases until after you have actually moved into your new home. Doing so could interrupt the final approval. 

The Fun Part - Choosing the home. Create a home wish list - Once you know what your purchasing power is, lets talk about your ideal home. Come up with a few “musts,” as well as “wants” you’d ultimately be willing to compromise on. For instance, do you want to be within walking distance of restaurants? Do you want space between you and your neighbors? Or is proximity to a good school the most important factor? Now comes the fun part: searching for homes that meet your needs. We will see what is available in the area based on your approved price and wants and needs. When you begin touring homes that are on your short list, take along a notepad and jot down your thoughts as you approach each home. Can you imagine yourself living there? 

READY TO BUY!

1. Make an offer! I will walk you through the steps required. Your offer will likely include earnest money that will apply toward your down payment on the home and may include contingencies such as hiring a home inspector, or your final military orders coming through. Expect some negotiation.

2. Get final mortgage approval. Once your offer to purchase is accepted, you’ll work with your lender to get final approval for your home purchase by the date specified for the closing. The lender may require you to pay property taxes or homeowners insurance for the first year at the time of closing, so make sure you know what funds will be expected. 

3. Do your due diligence - The due diligence process usually includes getting a home inspection to make sure you haven’t missed any hidden problems on your walk-through. If issues are found, negotiate for the current owner to fix them or take the cost of repair off the closing costs. 

4. Attend the closing -Once all of the above steps are completed, you’ll be on your way to the closing table. This is when the deed to the home is transferred from the seller to the buyer. Every transaction varies, but plan to sign a ton of paperwork. An attorney will guide you through the process. Then you’ll officially be a homeowner and receive the keys to your new home!