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REAL ESTATE PROFESSIONAL

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LICENSED IN OREGON 

one simple promise

Get Social

3000 Market St NE, Ste 310 Salem, Or 97301 by appt

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One simple promise
Your happiness & satisfaction come first!


PUT ME TO WORK

Make this your year for a new home
It's easier than you think!


UP YOUR BUYER SKILLS

Thinking about selling?
Let's value your home, it's free!


PICK UP SELLER TIDBITS

Knowledge is your Super Power
Hone your craft!


HONE YOUR SUPER POWERS

Why this guy?
Because you have a choice & it's about you!


ALLOW ME TO INTRODUCE


SELECT AN AGENT

Buying a property involves making important financial choices, understanding complex issues and completing a lot of paperwork so it helps to have an expert on your side. I can guide you through the process, and assist you along the shopping experience. In some cases even provide you with access to property listings that are "Coming Soon" and haven't hit the general market.

Here are some things to consider when choosing a real estate professional:

  • Choose an Agent who is also a REALTOR®.   A REALTOR® is held to a strict code of ethics when dealing with and for you.
  • Look for an agent that has time for you when you are needing it.
  • Find an agent that lives in the area and is familiar with the area in which you are interested.
  • Find an Agent who will have time for you. Make sure they are available at a time that works for your schedule.
  • Find an Agent that continually strives to improve and gain knowledge of the latest real estate trends.
  • Most importantly, choose an agent who listens attentively to your wants and desires. Pick an agent, with whom you feel comfortable.










  • TIME TO FIND YOUR PROPERTY

    Okay, you've done quite a bit of the legwork at this point and it's time to shop to see what's out there and find the right property for you.


    TAKE A SUNDAY DRIVE

    Well what seems like a Sunday drive anyway. Get a general idea of the area you would like to concentrate your efforts in. Take a good look as you drive around and get a feel for what it might be like to be a homeowner in that area and start getting an idea of the properties available.


    LIMIT YOUR LIST

    Select a few properties that interest you the most and we'll look at them together. Provide me a list and I can make sure that they are still available and make appointments to visit them. I'll be looking at the same time for you based on the information you submitted from the Buyer Questionnaire.


    COMMUNICATE COMMUNICATE COMMUNICATE

    Keeping in contact during this process is important since I'll be out there searching and reviewing homes at the same time as you. As we continue through this process communication will be key since I will be monitoring the progress, overcoming hurdles and keeping you informed along the way from start to the much anticipated closing date!


    TIME TO MAKE THAT OFFER

    Once you have picked out the property you want to purchase, I can help you make an offer that provides for the most opportunity that the seller will accept it.



    UNDER CONTRACT » WE'LL KEEP AN EYE ON THE TARGET


    AGREEMENT AND ESCROW DEPOSIT

    You are entering into a legal arrangement between yourself and the property’s seller.

    Some important things to note:

  • I will help you to keep records of everything. All agreements including any counter-offer and/or addendum will be written agreements signed by both parties. I will assist you in drafting all the paperwork for your purchase and make sure that you have copies of everything.
  • Watch the schedule. Now that you have chosen your property, you and the seller will be given a timeline to mark every stage in the process. Meeting the timeline ensures a smooth flow so that each party involved is not in breach of their agreements. During the process I will keep you constantly updated, so you will always be prepared.

  • THE CLOSING AGENT

    In the state of Oregon a title company will be selected as a closing agent. The closing agent will hold your deposit in escrow and will research the complete recorded history of the property to ensure that the title is free and clear of encumbrances and that all new encumbrances are properly added to the title. Some properties may have restrictions which limit various activities such as building or parking restrictions. There may be recorded easements and encroachments, which limit the rights to use the property. The closing agent will research all of this and provide you with a preliminary report.


    HOW TO HOLD TITLE

    You may wish to consult an attorney or tax advisor on the best way to hold title. Different methods of holding title have different legal, estate and tax implications, especially when selling or upon death of the title holder.


    INSPECTIONS

    Once your offer is accepted, I highly recommend obtaining the services of a licensed property inspector to perform an inspection of the property. We will write into the accepted offer a time frame agreed upon in the effective sales agreement to complete this activity. You may also elect to have different inspectors inspect the property. If you wish to obtain professional opinions from inspectors who specialize in a specific area, I can assist in identifying an inspector.

    Depending on the outcome of these inspections, one of two things may happen:

  • Either each milestone is successfully closed and the contingencies will be removed, bringing you one step closer to the close, or
  • As the buyer, after reviewing the property and the papers, you may request a renegotiation of the terms of the agreement which I will be there to assist you with.

  • APPRAISAL AND LENDING

    It is extremely important that you stay in communication with your lender during this process. Your lender will let you know when/if additional documents are needed to approve your application and fund your loan. If the agreement is conditional upon financing, the property will be appraised by a licensed appraiser to determine the value, via a third party. This is done so that the lender can be sure their investment in your property is accurate. As we get closer to closing, we will double check with your lender to be sure that the loan is on track to fund on time.


    ASSOCIATION APPROVAL

    If the property that you are purchasing is conditional upon an association approval, you will need to request the rules, regulations, and other important documents from the seller as soon as we have an agreement to purchase. Make sure that the application documents and processing fees are submitted to the appropriate person by the required time. Fill out all of the information completely and legibly so there is no delay in processing the application. If you are required to meet with the association, make an appointment as soon as possible. Most associations require a certificate of approval before move-in. Your closing agent may request that the original copy of the association approval letter be brought to the closing, so that it can be recorded with the deed in the county public records.


    PROPERTY INSURANCE

    If you are financing your property, you will be required by your lender to provide coverage on the property. The amount will depend on the lending institution and the purchase price of the property. I recommend consulting an experienced insurance agent to see what types of discounts may be available for your specific situation.



    MOVING IN


    SO CLOSE!

    We've made it this far which means we are so close that it's almost time to move in. Congratulations!


    FINAL WALK-THROUGH INSPECTION

    The final walk-through takes place right before closing or in some instances the day of. This is an opportunity for you to visit the property and make sure that everything is the same way as when you fell in love with it.


    TURNING ON SERVICES AND UTILITIES

    Time to get services for your new home started. Find information for the community along with quick links and telephone numbers to some of the common service providers in the Willamette Valley.


    BE PREPARED

    I'll be here and ready to assist should any unforeseen issues arise, at any stage, including this last one. I'll help you to complete the transaction as stress-free as possible.


    CLOSING

    We made it! The closing agent will schedule your time to come in and sign paperwork, provide any necessary funds to close and typically get your keys. Keeping in close touch with the closing agent up to this point and completing all of their requests timely will ensure a smooth close to your transaction.



    ANSWERS TO COMMON QUESTIONS


    WHY CHOOSE A REALTOR®?

    Answer: Many don't realize that there is a difference between a Real Estate Agent and a REALTOR® and that not all Real Estate Agents are REALTORS®.

    A Real Estate Agent is anyone licensed to help a consumer buy and sell homes. A REALTOR® is also a member of the National Association of REALTORS®, which has a strict code of ethics defining agent's duties to clients, customers, the public and other REALTORS®.

    As a REALTOR® devoted to your real estate needs, I'll work hard for you during the home buying process representing you throughout the transaction and beyond.


    WHAT'S MY FIRST STEP?

    Answer: Determine how much home you can afford (get pre-approved).

    Unless you are fortunate enough to have a suitcase of cash lying around, chances are you will need a mortgage. You will need to know how much home to shop for and with a tight inventory being pre-approved is a necessity.

    Because of the tight inventory a pre-approval letter is needed to submit with any offer to make sure we don't lose out on a sale.

    If you are not already working with a Lender, just ask me, I can put you in touch with a preferred Lender.


    WHAT HAPPENS ONCE WE DECIDE TO MAKE AN OFFER?

    Answer: So exciting!

    We'll sit down and work out what makes sense for your transaction. We'll determine what to include in the offer and make sure that all of the necessary paperwork is completed. We'll also ask for an updated pre-approval letter from your Lender which will be submitted with your offer.

    I'll go to work and get your offer submitted to the listing agent and work for you through the process and continue to see the process through to closing and beyond.


    WHAT COSTS SHOULD I EXPECT?

    Answer: There are a few things to include in your costs.

    Down payment: The down payment amount will vary depending on the type of loan. Usually 3% to 5% of the purchase price. There are differing loan types that you may qualify for that will change the amount required for your down payment. FHA loans are usually 3.5% while USDA (rural area) loans are $0 down. Veterans may also qualify for $0 down through VA loans.

    There are several options and I recommend working with your Lender to determine what works for your budget.

    Closing Costs: Closing costs will be part of the overall transaction. REALTOR® commissions are in most cases paid by the seller, not the buyer.

    Your down payment is usually the largest portion associated with the home buying process. Lending fees (commonly referred to as "Loan Origination Fees") are the second largest costs (usually 2% to 4%). Your Lender will be able to give you an idea of what to expect.

    Inspections: I highly recommend that you obtain a home inspection and we’ll write into the offer a period of time to allow for this. A Home Inspector will dig deep and identify any issues that need to be resolved right away, those that can wait, or those that may be a deal breaker for the transaction. The overall cost of a home inspection is minimal compared to the costs that you may incur down the road by not having one.

    I can put you in touch with a preferred Home Inspector, and don't worry, we can go over the results together.


    HOW DO WE VIEW PROPERTIES?

    Answer: Today's technology affords us a great opportunity. It allows both of us the opportunity to review properties and see inside the home from the comfort of our computer screen.

    I continually search local listings to see what's available in the area. I also encourage you as the buyer to look for homes through the online resources.

    The Willamette Valley Multiple Listing Service provides information to homesnap® which is the tool I recommend you use for your home search. If you find a home you would like to tour, just let me know, I'll be doing the same and will validate the availability of the home on the market and work with the listing agent to schedule a time for us to view the property.


    KEEPING YOU INFORMED?

    Answer: As much or as little as you want, it's up to you!

    Before I began in this industry, I was the home buyer and seller and I'm sure on at least one occasion I drove my Agent crazy with the constant attention I required. But let's face it, this is one of, if not the largest transaction(s) you may ever deal with in your lifetime and I want you to be happy!

    Together we'll determine the best communication channel and a communication schedule that fits your lifestyle. After all, I want your complete satisfaction, and look forward to your referrals and repeat business.


    Buying?  Don't work with just "any" agent