Buying a Home

What You Should Be Clear About

So you have decided you want to buy a home. How exciting!

  • Where do you want to live?
  • What style of home do you want?
  • How much can you afford?
  • Is it hard to get a loan?
  • How much downpayment is required?
  • How do you get started?

With this everchanging market, the answers to these questions can change frequently. Looking online and then driving around looking at neighborhoods is a great start, and it's an easy way to get out and begin the process without any pressure and to get to know the various communities in your city.

Lisa Hight

Don't Call the Agent on the Sign

You will no doubt see many real estate signs on your drive. I encourage you to contact me for information on a property you have questions about instead of emailing or calling the listing agent. If you get the person on the sign, keep in mind that they work for the seller of that home, not you! They will most likely ask you for your personal information, continue contacting you, and possibly pressure you.

A buyer's agent works for you, and the seller pays most real estate commissions! I can provide you with up-to-date information on most any listed property, and there's no obligation!

No Corporate Fees

Buying a home is a process. Every family is different. I take the time to get to know you and your family and help guide you through the process on YOUR terms and YOUR timelines. I follow your lead. I'm an independent agent with no corporate office to answer to. No quotas and no extra corporate fees either this is a $400-600 savings to you!

When you are ready to set appointments and start actively looking for a home to purchase, you will need a preapproval letter in hand. Sellers need to know you can buy a home before entering their property.

Lisa Hight.

Most mortgage companies will provide a free preapproval. Shop around, and please allow me to provide a quote by clicking below to submit a no-obligation preapproval application.

Preapproval Apply Now

First Time Homebuyers

Buying a home for the first time can be exciting but scary for some. I understand the emotions first-timers may experience and enjoy working hard to help people achieve their dream of homeownership. Homeownership is valuable to establishing roots in a community and providing stability for a family. However, I can't stress enough that it's a must to do this responsibly.

Your First Step

The preapproval process is where the first-time homebuyer needs to start. Making sure you can get approved for a loan before you start a home search is of critical importance. It can be devastating to want something so much, only to have it denied after having your heart set on a particular property.

I have had this happen to me, and I am careful to be honest with my clients on whether they are ready and capable of buying a home when they apply. It's a great time to buy! Rates are still low, but home prices are slowly rising, so don't delay!

Knowing your credit and even your credit scores are essential. When you apply for a preapproval, I will contact you to authorize a current, underwriting grade report. The scores are often not the same on the underwriting report as some public sites that access your report. I jumped through the hoops to get a system that returns the highest possible scores.

Better Scoring Models

There are various scoring models in use today, so the only way to know where you stand for mortgage approval is our report pull is a must. Don't be afraid to try. I can instruct you on ways to improve your credit score at no cost or obligation. I am not a credit cleaner, and I don't refer you out to one either!

Find out today where you stand with your credit by clicking the link below:
Preapproval Apply Now!

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