Buying

Empowering our clients in a competitive real estate market.

My Home Buying System

Introducing my exclusive home buying system. Technology that can help you get a jump on listings, arrange showings, connect with financing and manage paperwork – all to help you act faster in a competitive market. The best listings move quickly. When you find your perfect dream home, you need to be able to act fast – or risk losing it before you even had a chance to look at it. Get a head’s up on your dream home, and let me guide you through the process.

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Financing

Although mortgage rates have increased significantly over the past few months, they are still lower than the 50 year average of 7.77%.  So even with the 30-year rates around 6%, rates are still reasonably affordable compared to historical mortgage rates so it makes sense that the housing market continues to be reasonably strong (even with the current economic crisis). This means that the process can still become very competitive. Accordingly, we always assist our clients to become prepared buyers! Having a mortgage pre-approval puts you in a much stronger bargaining position. It proves to the prospective seller that you are stepping into negotiations with almost guaranteed funds. But even more important than impressing sellers, getting pre-approved by a reputable mortgage company will ensure that you are aware of not only how much you can afford, but how much you are comfortable with paying. It’s important to know how lenders determine what kind of mortgage payment a family can afford. Keep these basic rules in mind:

  • 28% of gross monthly income for principal & interest
  • 36% of gross monthly income for total mortgage payment

Nowadays as long as you have very good credit and can document your income, a reputable mortgage company should be able to take you through the process hitch less. We typically recommend at least 2 high profile, local lenders to ensure the seller and the listing agent that our buyers are in good, familiar hands so mortgage financing is not going to be a concern if they choose your offer.

Consider Obtaining a Mortgage Commitment too…

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PROSPERITY MORTGAGE/ GUARANTEED RATE

With our career long relationships with Prosperity Mortgage and Guaranteed Rate we help streamline the home buying process. When you are prequalified for financing with a reputable, local lender, you’ll know how much you can afford – and you’ll increase the likelihood that your offer will go through without a hitch. My home buying system seamlessly integrates a full range of services from our network including loan prequalification, competitive mortgage rates & terms, Title Insurance and Homeowner’s Insurance carriers as well.

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COMPASS AUTO EMAILS

Using the Compass platform, we will start a specific home search to find the right home for you taking into account neighborhood, price range, the number of bedrooms, baths and specific features. One exciting feature that Compass buyers love is access to listings that are not available on any other website.  Private Exclusive listings give Compass buyers the opportunity to view online, visit and submit offers prior to hitting the MLS which syndicates out to the wider market. This will result in you having the opportunity to review local inventory first and affords you the ability to spend less time searching online. It also helps me and my team locate your dream home by searching through three categories of listings- Private Exclusives, Coming Soon and the standard Active listings that are available on most real estate sites. Additionally, our clients receive daily updates in their very own Compass Collection which allows you to save listings, comment back and forth on the various listings and run analysis on your own as well.  

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Showing Time

When you find a home that meets your criteria, you want to see it as soon as possible. The Showtime App we use will allow us to efficiently coordinate showings, automating the process of requesting, scheduling, and confirming with the listing agents. With Showing time, you can see a home that interests you while other buyers are still waiting for a callback or for next weekend’s public open houses.

OUR GOAL IS TO PROVIDE YOU WITH THE MOST PERSONALIZED SERVICE THAT IS DESIGNED TO HELP YOU BUY YOUR DREAM HOME.

Schedule A Consultation
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Putting in an Offer

Through our extensive comparable market research and general market/ timing research we will assist you with the determining an appropriate offer price to ensure that you are in line with the market and ultimately not paying too much. We walk you through the full Agreement of Sale and guide you through every aspect of the transaction. We will help make sure that all clauses and deadlines of the agreement are followed. It is our goal to ensure a smooth flowing transaction, including all steps from:

  • Deposits
  • Home Inspections
  • Contingencies & Repairs
  • Zoning Review
  • Title Report, Search, Review and Implications
  • Homeowners Insurance
  • Final Walk-Through
  • And, ultimately, a Smooth Settlement!
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Relax & Enjoy

Sure buying a house can be extremely stressful. Unfortunately, there are several things that can go wrong during the course of any transaction. But rest assured with our combined 35+ years of experience you have nothing to worry about. Soon enough settlement will be here and you’ll be able to tell your friends with confidence that you have purchased your home at a fair price. There’s no better feeling!

Congratulations!

After signing the final paperwork to complete the purchase, you are now the owner of a new house. Now, what do you do? Don’t worry, we continue to be your advisor as long as you have questions that remain unanswered. We have large and small contractors, insurance agents, audio/visual/alarm contacts, doctors and pediatricians, interior decorators, home cleaners, etc. that we recommend. Let us be your Philadelphia go to resource for everything!!!   



Work With Us

We are dedicated to bringing top-notch service, expert guidance, and accessibility to each and every one of our clients. While we pride ourselves on assisting each and every client individually, we are also fortunate to plug into the strength of Compass’ full range of services and attributes.

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