• Buying a home may be the largest and most complex financial transaction you ever undertake. If you're ready to buy a home, wouldn't you prefer to work with the most qualified real estate professional you can find?

    As an Accredited Buyer's Representative, I have gone through additional training, have proven experience representing buyers and that extra edge you have been looking for. I am your ABR .

    WHAT MAKES AN ABR THE RIGHT CHOICE FOR YOU?

    The ABR designation is only awarded to licensed real estate professionals who complete specialized training that gives them the edge in understanding a buyer's perspective and protecting and promoting their buyer-clients' interests. Before earning the ABR designation, buyer's reps must also demonstrate proven experience in representing buyers. Further, they are committed to maintaining their professional edge by staying current on the latest issues and trends in buyer representation.

    In addition to knowing the dynamics of the local market, REALTORS with the ABR designation understand the special needs of buyers. They have additional knowledge and experience that takes them a step beyond an agent who only concentrates on listing property for sellers. An ABR can provide you with valued assistance throughout the transaction and help you make informed decisions that will lead to a successful home purchase.

    AS AN ABR , I CAN HELP YOU:

    Understand your specific needs and wants, and locate appropriate properties

    Assist you in determining how much you can afford (pre-qualify your mortgage)

    Preview and/or accompany you in viewing properties

    Advise you in formulating your offer

    Help you develop your negotiating strategy

    Provide a list of qualified vendors (inspectors, attorneys, lenders, etc.) for other services you may need

    Keep track of every detail throughout the transaction — to closing and beyond

    Not all buyer's representatives are equal. Only a buyer's rep who has earned the Accredited Buyer's Representative designation has made the extra effort to raise the bar, with additional training and experience. If you work with an ABR , you can feel confident that you'll receive the highest level of buyer-representation services.

    The ABR designation is awarded by the Real Estate Buyer's Agent Council (REBAC), an official council of the National Association of REALTORS (NAR).

We will be searching on and off market opportunities for you to have access to as many homes as it takes to find the right one! Click here to star your search. If you see something you’d like to see in person please hit the like button and we will schedule the tour and retrieve the disclosures for you!

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7 Reasons to Own A Home

1.Tax benefits. The U.S. Tax Code lets you deduct the interest you pay on your mortgage, your property taxes, and some of the costs involved in buying a home.

2. Appreciation. Historically, real estate has had a long-term, stable growth in value. In fact, median single-family existing-home sale prices have increased on average 5.2 percent each year from 1972 through 2014, according to the National Association of REALTORS®. The recent housing crisis has caused some to question the long-term value of real estate, but even in the most recent 10 years, which included quite a few very bad years for housing, values are still up 7.0 percent on a cumulative basis. In addition, the number of U.S. households is expected to rise 10 to15 percent over the next decade, creating continued high demand for housing.

3.Equity. Money paid for rent is money that you’ll never see again, but mortgage payments let you build equity ownership interest in your home.

4. Savings. Building equity in your home is a ready-made savings plan. And when you sell, you can generally take up to $250,000 ($500,000 for a married couple) as gain without owing any federal income tax.

5.Predictability. Unlike rent, your fixed-rate mortgage payments don’t rise over the years so your housing costs may actually decline as you own the home longer. However, keep in mind that property taxes and insurance costs will likely increase.

6. Freedom. The home is yours. You can decorate any way you want and choose the types of upgrades and new amenities that appeal to your lifestyle.

7. Stability. Remaining in one neighborhood for several years allows you and your family time to build long-lasting relationships within the community. It also offers children the benefit of educational and social continuity.

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Should I keep Renting or BUy My First Home?

Click here for a credit consultation

Credit scores can be a confusing topic for even the most financially savvy consumers. Most people understand that a good credit score boosts your chances of qualifying for a mortgage because it shows the lender you’re likely to repay your loan on time.

It’s why many lenders have minimum required credit scores for the loans they offer. But do you know the minimum credit score you need to qualify for a mortgage and buy a house? And did you know that this minimum will vary depending on what type of mortgage you’re seeking?

While every lender is different, understanding where your score falls and how your score impacts your loan application is key.

Is Your Credit Score Good Enough to Buy a Home?

Click here to request a pre-approval from Rob O’Malley or Click here to request a pre-approval from Chuck Isola. Buying a home is the most unique and significant transaction many people will experience in their lifetime. Where do you start? How much can you afford? These kinds of questions may seem daunting, especially for first-time homebuyers. Building a budget is generally a good first step, and a pre-approval letter is the industry standard when it comes to understanding how much a lender might be willing to let you borrow. It is also a requirement when submitting an offer to purchase a home. Click here to get in touch with a reputable lender.

Pre-Approval Letter Request

Click here to get a free Buyers Guide

Read our daily blog for more helpful tips about the home buying process.

Contact one of our professionals in our group for assistance with more information!


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