LOOKING FOR A NEW HOME? Now is a GREAT time to buy! Mortgage rates are low and there are many homes on the market that are priced very low. This will not last forever, the real estate market is expected to start a recovery in the later part of 2008.

No matter what you want; a new home, existing home, hobby farm, or a great deal on a foreclosure, I can help you find the best home for you at a great price. I do this full time for a living so give me a call, do not rely on newspaper ads or the internet to find your next home.

There's nothing I take more seriously than helping people find new homes they love. I will also spend time learning your personal real estate needs, based on:

• Your preferred price range
• What style of home you want
• What area(s) you want to look in
• What extras you would like
• 12 areas to watch when looking, to avoid making the wrong choice
• Determine what you will qualify for
• Your preferred down payment
• Your preferred monthly payment
• Which types of finance are best for you
• How you can get a mortgage

WHY SHOULD I GET A MORTGAGE?

Getting a pre-approved mortgage is a great way to get started. With a mortgage approval, you will be in a better position to negotiate with sellers. You will also be able to close on a property quicker than other buyers. This shows the seller how serious you are about the property, and it will make the seller more comfortable working with you. In a "seller's market," or where supplies are limited, a pre-approved mortgage is essential. It is even more important when buying a forclosure property.

WHAT DO I NEED?

If you decide to apply for a mortgage, you will need to supply information with regards to your income, expenses, and obligations. For a full list of the items you need to bring, please contact me. Got bad credit? That's okay. Many lenders will help you find a solution to your credit problems.