Buying A Home
Buying a home is one of the biggest financial decisions you'll ever make. As a trusted mortgage broker, I am here to guide you through every step of the home buying process and help you achieve your dream of homeownership.
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I understand that every client has unique needs and financial goals. That's why I offer a variety of mortgage options tailored to your specific situation. From first-time homebuyers to seasoned investors, I have the expertise to find the right mortgage solution for you.
Home Buyer Checklist
1) Budget: Determine your budget and stick to it. This will help you avoid overspending and keep your search focused on homes you can afford.
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2) Mortgage Pre-Approval: Get pre-approved for a mortgage before you start shopping. This will give you an idea of how much you can afford to spend on a home and make your offer more attractive to sellers.
3) Location: Determine the location you want to buy in. Consider factors such as proximity to work, schools, public transportation, and amenities.
4) Type of Home: Decide on the type of home you want, such as a single-family home, condo, townhome, or multi-family home.
5) Size and Layout: Determine the size and layout of the home that will meet your needs. Consider factors such as the number of bedrooms, bathrooms, and living spaces.
6) Condition of Home: Consider the condition of the home you are interested in. Do you want a fixer-upper, or do you prefer a move-in-ready home?
7) Home Inspection: Have a professional home inspection done before you buy. This will help you identify any issues with the property that may affect your decision to buy.
8) Homeowners Association: Determine if the property is part of a homeowners association and review the HOA rules and fees.
5) Size and Layout: Determine the size and layout of the home that will meet your needs. Consider factors such as the number of bedrooms, bathrooms, and living spaces.
6) Condition of Home: Consider the condition of the home you are interested in. Do you want a fixer-upper, or do you prefer a move-in-ready home?
7) Home Inspection: Have a professional home inspection done before you buy. This will help you identify any issues with the property that may affect your decision to buy.
8) Homeowners Association: Determine if the property is part of a homeowners association and review the HOA rules and fees.
9) Property Taxes: Review the property taxes for the home you are interested in and factor them into your budget.
10) Closing Costs: Factor in closing costs, which can include attorney fees, appraisal fees, and title insurance.
11) Homeowners Insurance: Determine the cost of homeowners insurance for the property you are interested in.
12) Moving Expenses: Consider the cost of moving and factor it into your budget.
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Disclaimer: Loan Daddy, LLC ("LD," "We," "Us," "Our") is exempt from mortgage and NMLS licensing for the states we lend in. Our loan products require a business purpose, and the property must be used as a non-owner-occupied investment property, also known as a rental property. Our rates, loan terms, and loan conditions are only offered to qualified borrowers, and may vary based on loan product, credit score, real estate investment experience, deal structure, property state, and several other applicable considerations. Our rates, loan terms, and quotes, are subject to change daily, at any time, with or without notice. Loans requiring less documentation may result in a higher interest rate and higher annual percentage rate ("APR").