Let's get to know each other and meet over coffee. This is where I take the time to understand what you're looking for, your priorities and wishes.
step 1
Consultation
Lender Consult
step 2
If you aren't connected with a lender yet, I can make referrals. If you are, let's get you pre-approved so we know what kind of budget we're working with.
Once I know what your wishes are, along with your budget, I'll create a MLS search so we're sure to see all of the new and upcoming listings. Then we begin to tour!
step 3
MLS Search
Offer Accepted
step 4
You've found a home you love, and the offer is accepted! Now I'll explain the purchase agreement, you'll pay earnest money, we'll go through the due diligence period and remove any contingencies.
We'll do the final walk through, attend closing and sign all of the documents, and then you'll have the keys to your new home - congrats!
step 5
Make it official!
You need help understanding contracts and what they mean.
You need help understanding the current market and what can and cannot be negotiated
You need help understanding the process to sell or buy.
You need help understanding the costs associated with buying/selling and the impact of interest rates.
You may be ready to work with me if...
I'm ready - let's chat!
The cost of title transfer and title insurance, Lender Fees and appraisal (if financing), Insurance and Taxes, discount points (optional).
What do closing costs cover?
This depends on the current market. In a sellers market, buyers can expect to pay most of not all of their closing costs. In a buyers market, the seller may cover these for you.
Who pays the closing costs?
Typically 2-3% of the purchase price of the home, but this number can vary from transaction to transaction.
How much are closing costs?
Frequently Asked Questions
I have GREAT resources/partnerships with all of these and will connect you with the best in the industry!
How do I find a lender/inspector/stager/title company?
Timing the market is nearly impossible. The best time to buy is when you can comfortably afford the home that you want/need. Typically in MN, the spring/summer is the "hottest" seasons where there is more inventory and prices are typically strongest. Winter is lower inventory/options but often time better opportunities for buyers to negotiate.
When is the best time to buy/sell?
It's most commonly the SELLER pays all the commissions for both sides of the transaction, although it is not set in stone and this can sometimes be negotiated. One should not go into this expecting anything other than this standard though.
Who pays commissions?
I have been licensed since May of 2016. Most of my transactions have been in Saint Paul and the North Metro area. Shoreview and it's surrounding areas are my absolute favorite, but I also enjoy farther north/west/east and exploring newer areas too!!! Minnesota has too many awesome areas to explore!
