Recommended Lenders


Here are a few of my recommended lenders. A lender will be able to determine whether you're in a position to buy, and if not, we’ll work with you to help get you there. Submitting applications to multiple lenders within a 30-day window will only count as one credit inquiry, so you can shop around without negatively impacting your credit score. This allows you to compare offers and find the best terms. If you already have a lender or bank you're familiar with, feel free to apply with them as well. Let me know if you have any questions!

Roberta Rustin

First Choice Mortgage

Bryan Lima

Ardent Loans

James Gardner

Friends First Mortgage

FAQS

Can I buy a home remotely without visiting in person?

Yes! I offer virtual tours, detailed video calls, and other remote services to help you view properties and explore areas from wherever you are. You can still make an informed decision without physically visiting the home first.

What is the first step in buying a home?

The first step in buying a home is determining your budget. I recommend getting pre-approved for a mortgage so you know exactly how much you can borrow. This will give you a clear idea of your price range and make you a more competitive buyer when you find the right home.

What should I do to prepare my home for sale?

Preparing your home for sale can include cleaning, decluttering, staging, and making any necessary repairs. I’ll provide advice on what improvements will have the greatest impact and can connect you with professionals if needed to make your home look its best.

What is the minimum required credit score needed to purchase a home?

The minimum credit score required depends on the type of loan:

Conventional Loans: Minimum score of 620.

FHA Loans: Minimum score of 580 (3.5% down payment).

VA Loans: Minimum score of 620 (varies by lender).

USDA Loans: Minimum score of 640 (rural areas, typically no down payment).

Higher credit scores may qualify you for better interest rates and terms. Each lender may have their own requirements, so it’s helpful to compare options.

Can you help me find a new home after I sell mine?

Yes! If you're also buying a new home, I can assist you in finding the perfect property to suit your needs. I’ll help coordinate the timing of selling and buying to ensure a smooth transition.

How do I find the right home in a new city or state?

I’ll work closely with you to understand your preferences, budget, and lifestyle needs. Based on your criteria, I’ll provide you with a curated list of properties and schedule virtual or in-person tours. I’ll also give you insights into various neighborhoods to help you make an informed decision, even from a distance.

How do negotiations work when selling my home?

Once you receive an offer, I’ll help you review it and negotiate terms such as price, contingencies, and the closing timeline. I’ll handle the back-and-forth negotiations to ensure you’re comfortable with the terms and can make informed decisions.

What are the key things I should consider when relocating to a new area?

When relocating, it’s important to consider factors like proximity to work, schools, public transportation, local amenities, and safety. I’ll assist you in evaluating these factors and help you find a home that fits both your lifestyle and budget.

Do I need to sell my current home before I can buy a new one?

Not necessarily! Depending on your situation, we can discuss strategies for purchasing a new home while you still own your current one. I can help you explore options like bridge loans or concurrent closings if necessary.

What is earnest money?

Earnest money is a deposit made by the buyer to show that they are serious about purchasing the home. It is typically between 1% to 3% of the home’s purchase price. If the sale goes through, the earnest money is applied to your down payment or closing costs. If you back out of the deal without a valid reason, you may lose your earnest money.

What is the difference between pre-approval and pre-qualification?

Pre-qualification is a basic estimate of how much you can borrow based on your income, debt, and credit score. Pre-approval is a more in-depth process where a lender verifies your financial information and gives you a specific loan amount, which is often needed to make a serious offer on a home. Pre-approval gives you an edge in the market because it shows sellers you are a serious and qualified buyer.

What is the quickest possible time to close on a new home?

The quickest time to close is typically 30 to 45 days, but this can vary based on factors like loan type, lender processing time, and any issues during inspections or appraisals. If you're using cash or have pre-approval, the process may be faster. I'll work closely with you to ensure a smooth and timely closing!