I am able to show you ANY home, new or resale, no matter who the listing broker is.
If you see a home advertised in the newspaper, or if you drive by a home that interests you, please call me! If you visit an Open House or a New Home Community, please tell the seller's agent in the home that I am representing you.
Any and all home information is available to me 

When we find a house we like how do we buy it?
A: It is a many step process here is a brief overview of the process

You will need an earnest money check to accompany the Offer to Purchase. This may be in the form of a personal check, or in some cases a certified check. A minimum of 1% of the sales price is deemed adequate in most cases. When your written Offer to Purchase is presented to the seller, he has three choices:

1. He can accept your offer
2. He can reject your offer
3. He can make a counteroffer.

Negotiations after the initial written offer are conducted until an agreement is reached. When the seller accepts your offer, or you accept his counteroffer in writing, you have a binding contract for sale on that house. Your earnest money will be deposited in the listing broker's trust account to be held until closing.  

Would it be in my best interest to work with several Realtors and not just one?
A: It is in YOUR best interest to work with an Exclusive Buyer Agent.
 

What do I need to do before I think about purchasing a home?
A: Get Your Finances in Order  

Check with a lender to see what you qualify for.

You should know facts such as:

• Annual Income
• Amount of Cash you have for a down payment*
• Other Home Loans
• Credit Card Balances
• Other Loan Balances (Vehicles, etc.)
• School Loans
• Other factors affecting your income e.g. child support, tax payments, dividends, etc.

*Note: Some first time home buyer loan programs do not require a down payment.

Do I need to be prequalified?
A: It is generally a good idea to get prequalified.

Many sellers require a prequalification letter with your offer to purchase.

What is prequalification?
A: Prequalification is where you have spoken to a lender about a possible home loan.

This is when you have spoken to a lender, usually over the phone. You will provide him with the information described above. They in turn will give you an estimate of what they believe you would qualify for if all the information you have given them is accurate.
IT DOES NOT MEAN YOU ARE QUALIFIED!!
People often think because they are prequalified they can get the loan when they find the home of their dreams. That is not true. At this point in the loan process they have not run a credit check, or verified any of the information you have provided. There may be things on your credit report that are inaccurate or that you have forgotten about that may inhibit the loan process, or affect the loan amount.