Buyers

Searching for a property can be exciting and exhausting. The 2020 real estate market is tight, inventory is low, prices are high, and bids are competitive. That does not mean that you can't still find your dream home. It does mean that you have to be patient , flexible and ready

Kay will leverage the multiple listing services and her vast network of real estate professionals to constantly scout out new properties that may be a great fit, but as a buyer, you need be clear about your needs, your must-haves vs. nice-to-haves, and your true budget and what it will realistically purchase. 

CREDIT

Many potential buyers have been convinced that they could never qualify for a mortgage. Although I strongly encourage buyers to work toward improving their credit by resolving any delinquent accounts and paying all their debts and bills early or on time, in reality, there are numerous mortgage products available for buyers with as low as a 580 credit score.
 
In general, a higher credit score will make buyers eligible for better interest rates, which mean lower payments or higher qualifying amount.

INCOME

In general, mortgage lenders are looking for borrowers to have two years of verifiable income, whether through entrepreneurship or a salaried job. 
 
They will verify your income through tax returns for entrepreneurs

BUDGET

MUST HAVES

VS.

NICE-TO