Purchasing a home is a huge decision, and you want to make sure you do it right. With Karen Mella, Realtor® and Spears & Co, you’ll get reliable and sound advice every step of the way. Let’s dive into what you need to know about buying a home.
Understanding What You Can Afford
Before you start looking at homes, it’s important to fully understand your finances. I’ll help you figure out how much you can afford and what you’ll need to do to get there. Let’s take the time to make sure you’re comfortable with your budget before i start looking at homes.
Down Payments and PMI
Two important things you need to understand when buying a home are down payments and PMI. I’ll walk you through your options and the pros and cons associated with each. Let’s make sure you’re informed so you can make the right decision for your unique situation.
Finding Your Team
There are a lot of people involved in your homebuying journey, and it can be overwhelming. I’ll help you find the right people to have by your side, from mortgage lenders to home inspectors. With the right team, you’ll be able to achieve success with less stress.
Finding the Right Home
There are a lot of people involved in your homebuying journey, and it can be overwhelming. I’ll help you find the right people to have by your side, from mortgage lenders to home inspectors. With the right team, you’ll be able to achieve success with less stress.
Applying for a Home Loan
Finding the right home is about more than just square footage and number of bedrooms. I’ll help you ask yourself the right questions about location, type of home, and must-have features. Let’s make sure you find the home that fits your finances, lifestyle, and stage of life.
Making Your Offer
Once you’ve found your dream home, it’s time to make an offer. I’ll help you determine a fair price and negotiate while making sure you stay within budget. Let’s make sure you get the home you want at a price you can afford.
Inspecting and Appraising
Inspecting and appraising your new home are critical steps in the buying process. I’ll help you understand what you need to know and why they are so important to you and your lender. Let’s make sure you’re fully informed before making any final decisions.
Closing Your Loan
The final step of the home buying process involves signatures, documents, and keys. I’ll help you prepare for closing and understand what to expect. Let’s make sure you’re ready for the big day!