Buying Guide

Thinking about buying a home? You have great timing! With low interest rates and a good selection of desirable homes, it's an excellent time to get into the real estate market.

In my recent experience with today's market, people are buying and homes are selling!

As you move toward buying a new home, you'll need a game plan. I recommend you follow these steps to get off to the best possible start:

If you're a first-time homebuyer, check out special tips and information just for you.

If you're thinking about buying a home, I'm here to help!

Buying a home is likely the biggest investment you will ever make. So when you're ready to make a move - whether it's buying a new home in a different neighborhood or relocating your family to the Carolinas - you can trust an experienced partner like me, along with Allen Tate, to guide you through the home buying process.

I understand that choosing an agent to represent you is a critical decision. That's why I want you to know that Allen Tate, the leading real estate company in the Carolinas, has ensured that I will represent you as one of the most professional, highly trained agents in the region.

After all, finding your dream home is really just the first step in the process. I will help negotiate the best possible terms, deal with purchase agreements, counteroffers, inspections, closing matters and more.

I will be there to guide you through every step of the home buying process.

Through Allen Tate, I have access to the technology, marketing and ongoing professional development that allows me to offer the very best to my clients. I have the knowledge and experience to help you through the process with as little stress as possible.

Money matters.

Before you start your home search, I would recommend you take this important step: Find out how much home you can afford. Knowing how much you can afford helps you focus your home search and saves you time. To determine your buying power, you should meet with a mortgage professional.

Getting Pre-approved or Pre-qualified for a home loan is a smart first step. So, what's the difference?

Getting pre-qualified is a quick and informal process. You supply some basic information about your income and assets. Based only on that information, the lender gives you an idea of how much you can borrow. It is not a guarantee or commitment.

I strongly recommend that you strengthen your buying power by getting Pre-approved. With pre-approval, you work with a lender who verifies information and guarantees financing. When you're preapproved, you can shop with peace of mind. Your financing is a surer thing, so when you find a home you like, we can move quickly. Pre-approval may give you the competitive edge you need when negotiating or when a seller receives multiple offers, because sellers tend to favor buyers who have financing in place.

Our experts at Allen Tate Mortgage can help you with this important step.

Let's find your home.

Helping my clients find the home of their dreams is the most rewarding part of my job.

Finding a new home is exciting, but it requires thought and preparation too. We'll talk about where you want to live, because finding the right community to live in is just as important as finding the right home to live in.

We'll consider your lifestyle and what is important to you. Do you like to be near shops and restaurants? Are outdoor activities important to you? Do you like a busy community, with many activities, or do you prefer a quieter, more laid-back lifestyle? Browse our Community Profiles to learn about areas in which we offer homes for sale. Finding the right community will get your home search off to a great start.

Let's explore what kind of home you want. Do you have a size and style of home in mind? What do you like most about your current home - and what do you like least?

All of these are important considerations. Once we've identified your needs and preferences, we're ready to start looking. If you're like most homebuyers, you'll also do some searching online. With our Property Search tool, you can browse available homes by location, price or number of bedrooms and baths. You can even search specifically for homes on the waterfront or golf course.

You can search for homes using a mobile device too. TateMobile features detailed information on all the homes for sale. The information is updated daily and the GPS system allows you to center your search from your location. So download our app for your smartphone or tablet and start searching.

Also, be sure to create a myallentate.com profile to save your favorite home searches - a real time saver! Another feature of myallentate.com is our exclusive 1st to Know feature. Just select the features of the home you are looking for, and when a home that meets your criteria goes on the market, you'll receive an email alert.

Buying a Foreclosure

Foreclosed homes are properties owned by the bank or other entity as a result of a mortgage default and then offered for sale to the public. Foreclosures can offer great opportunities, but the purchasing process is different than with a traditional property. I am happy to provide expert advice and guidance if you interested in exploring this market segment.

When you're ready to move forward.

When you find the home you want to buy, it's time to move forward. Together we will decide on a reasonable and realistic offer, which will be presented to the seller and his agent.

When it's accepted, you'll have to put down a deposit to show that you're serious about buying. Then you're officially on your way to owning a new home.

I will work carefully with you during this "due-diligence" process, making sure you understand all conditions, provisions and obligations of your contract to buy, and I will guide you through appraisals, inspections, and more.

Remember, I am your advocate, guide and adviser. If you don't understand something, ask me.

Once we are through the due-diligence process, the next big step is closing. "Closing" is a word used to describe the official transfer of ownership from seller to buyer. Your closing date is the date you will actually be handed the keys to your new home. Before that happens, you'll sign mortgage papers. You'll have some writer's cramp but it's a day for celebration - you're a new homeowner!

Contact me and let's get started!