Contact a REALTOR®

Deborah Louzecky can help you through the entire process of buying a home, starting with the mortgage and continuing right through closing – and beyond. She can help you shop for the best interest rate and terms and, if you wish, suggest mortgage lenders.

Get Preapproved for a Loan:

Obtain a copy of your credit report and your FICO score and, if necessary, do what you need to do to improve it. The higher your FICO score, the better interest rate you can command. You can get this information online; Deborah can also help you get this. Contact several lenders and determine which one will give you the best deal.  It isn't always the interest rate that is the best deal.  You need to compare all cost of each of the loans to see what is your best deal.  Beware of hidden fees.

Determine Your Price Range and Area(s) in Which You're Interested

By now you should have a good idea of how much home you can afford. This helps you narrow down your home search. You should also begin researching the neighborhoods in which you might want to live. I can help.

Decide Which Amenities and Features You Must Have -vs–  Which Ones Would Be Nice

How many bedrooms and bathrooms do you want? Would you prefer a newer home or an older one with established landscaping? Are hardwood floors a must? Is an updated kitchen important to you? Walk-in closets? Which features would you be willing to give up if you find the otherwise-perfect home?

Begin Testing the Market

I can email  listings that meet your criteria as well as neighborhood data. Identify properties that seem to be fits for you, take an afternoon and go on a driving tour. See what's available in your price range and explore neighborhoods.

Deborah Louzecky is ready when you want to start Seriously Looking at Homes

Deborah Louzecky  can add to the list of homes you've already identified – including ones that have just come on the market. Look at homes with a critical eye – does the floor plan work for you, is the property in good condition, would it be right for your lifestyle? In short, can you imagine yourself and your family living there?

Take notes at each home you visit. What do you like and not like? Narrow down your choices; re-visit homes in which you're interested. See them at different times of the day.

When it is time to make an Offer

When you've identified the home you want to buy, be prepared to prepare a written offer quickly. Deborah Louzecky will be familiar with market values and will help you arrive at a price that gives your offer the best chance of being accepted.

At this stage, try not to become emotionally attached to a home. Your offer may not be accepted for any number of reasons. Have backup homes in mind. Be prepared to negotiate through Deborah with the sellers.

Once Your Offer Is Accepted:

• You'll be asked to submit an earnest money deposit that is held in a escrow account until closing.  Your offer will be subject to an inspection and mortgage approval.  Your earnst money will be used at closing towards your expenses.  If for some reason the home doesn't past the inspection or your are unable to obtain a mortgage on the home your earnst money will be return to you.
• Begin making moving arrangements (select a mover, obtain change-of-address cards, inform friends and relatives).
• If necessary, request repairs.
• Obtain homeowner's insurance.
• Contact utilities (phone, water, power, etc.).
• A few days before closing, stage a walk-through.
• Obtain a cashier's check for the down payment and closing costs.

At Closing:

• Make sure the terms and conditions of the loan statement are correct.
• Carefully read everything before you sign.

ENJOY YOUR NEW HOME!

Why You Should Use a REALTOR® in Your Home Search?

Buying a home is probably the largest investment you'll make in your lifetime. Having an experienced, and knowledgeable Real Estate Broker, Deborah Louzecky, representing you in this transaction just makes good sense.

Buying a home is not like buying a car, a mutual fund or other commodity. It can be a life-changing event. Deborah Louzecky fully understands the real estate process – and just as important, she understands your local market.

Of course Deborah knows the right steps to take, but she can also help you avoid a misstep in your home purchase. If a new freeway is going to be built a few blocks away, she probably will know it. If you're unsure about school districts, Deborah will be able to direct you to answers. If you're unsure of a builder's reputation, Deborah will know how you can confirm it.

Deborah  also performs another important function: minimizing the emotion involved in a home transaction. You may be in love with a home, but Deborah can point out factors that might not make it right for you.

Our Business

Deborah Louzecky has the experience that can walk you through all the red tape in buying your first home or your 5th home.  Let Deborah's experience make the process easier and smoother for you!

REMEMBER:  Tax Credits will only be given if your contract is signed prior to April 30, 2010.  You have till June 1 to close.