Build a plan to move into your home

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There’s nothing quite like stepping into your dream home for the very first time.
You have achieved your goal of homeownership! However, the journey from home
seeker to home buyer can be challenging – unless you have a well-defined plan and
guidance from the right professionals. As a mortgage broker, here’s how I will help
you reach your objective:

STEP 1 GETTING TO KNOW YOU
In the discovery phase, we will discuss your situation, the essentials
and “nice to haves” you’d like in your new home, and how long you
plan to live there. Based on your desired move-in date, we’ll work out
a timetable for your home-buying process.

STEP 2 BUILDING A BUDGET
I’ll help you create a monthly budget and then calculate a down
payment and mortgage payments that fit into it. Together, we’ll also
work through a financial check-up that considers how changes in
income and expenses could affect your plan.

STEP 3 CUSTOMIZING THE SOLUTION
There are many different types of mortgages, and it’s important to
select one that matches your current needs and preferences. I will ask
you a series of questions that should help to reveal your priorities.

STEP 4 TESTING SCENARIOS
Together, we’ll try out different mortgage scenarios, and I’ll show you
how changes in income, property taxes, condo fees, loans and other
variables affect your maximum mortgage amount and mortgage
payments. My goal is to make sure you can comfortably afford your
mortgage.

STEP 5 ARRANGING PRE-APPROVAL
It’s a good idea to get pre-approval for a mortgage before you find your
dream home and make an offer – that way, you can be confident that
financing is available. I’ll walk you through the paperwork and guide
you towards the most suitable lender.

STEP 6 YEARSWERING YOUR QUESTIONS
Now it’s time to get serious with a Realtor and view properties that fit
your price range. If you have any questions along the way, be sure to
give me a call.

STEP 7 SEALING THE DEAL
I’ll work closely with your Realtor & Notary to make sure everything
is in place for the closing. That’s the day you pay your down payment
and get the keys to your new home.

STEP 8 IT’S TIME TO MOVE IN!
From start to finish, the plan we develop together will see you through
the home-buying process. Even after you’ve settled into your dream
home, we’ll periodically review your current situation to determine if
we need to make any alterations to your original mortgage plan

We are always here to help and look out for your best interests

Terry kilakos

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