Southern Indiana Real Estate and Community News

Feb. 16, 2021

Know Before You Go: Your First Showing

Know Before You Go: Your First Showing

It’s finally here! After the months of just looking online and weeks dodging phone calls from every Realtor whose website you have visited, you’ve finally found THE HOUSE! Now you’re ready to contact an agent and get out there to see it! Here are just a few things to know before you go.

1 . There is a good chance that a particular house is already gone. Sadly, inventory is at a record low in most markets and many houses that are priced appropriately and in decent condition are receiving multiple offers within the first few hours of being listed online. This means that the people that are most likely to get in to see homes are people that are already working with agents.

The logic here is that it takes a couple of hours for a new listing to be pushed to a third-party website, matched to a buyer’s criteria, and emailed to a potential buyer. Most people see the email, make a mental note to ask their partner or family for input that evening, and then plan to call a realtor the next day.

Unfortunately for that passive buyer, there are a bunch of realtors that saw that property the moment it was listed in the MLS, emailed it to their clients, then called or texted their client to tell them about the house or gently reminding them to check their email asap. These folks that have a designated professional scouring the internet for them, while they’re at work or e-learning with their kids, are the ones that are getting in to see homes the second they hit the market and are having the most success today.

This doesn’t mean that you have to wait until the day you are ready to sign a contract to contact an agent. It just means that the inventory you are considering online isn’t guaranteed to be available when you are ready to buy. It is important to remember that the real estate market is different from any other online marketplace. When 123 Main Street sells we can’t just head back to the stockroom to grab another one. Even if the owners of 124 Main Street were thinking about selling, there is no guarantee that you as a buyer would like 124 Main Street as much or that 124 Main Street was built with the features that your family needs.

The best course of action is to connect with an agent early and often, I would suggest about 4–6 weeks before your target moving date. Let them know your timeline for moving, what you are looking for, and any potential concerns you have. A good agent will appreciate the opportunity to be fully prepared to serve you to the best of their ability.

2. A Good Agent Will Require You to be Pre-approved Prior to Scheduling Showings. I have had a lot of people tell me that they are waiting to find a home they like to get preapproved. Unfortunately, most sellers will require a pre-approval letter prior to showings for safety and security reasons. Even before the age of Covid-19, most sellers prefer to keep foot traffic in their home to a minimum by limiting showings to buyers that are ready, willing, and able to buy the home. As agents, we are ethically bound to respect these wishes and a preapproval letter is the best way to ensure that a buyer is able to purchase a property.

More importantly, as a buyer, it is crucial that your agent be aware of your preapproval status and your target price range. Just because the bank says you are approved for a $400,000 home doesn’t mean you are comfortable with the monthly payment on a $400,000 mortgage. Take the time to ask your lender what your payments will look like at each price point, and take some time to see what price range balances your budget with the finishes you appreciate. Once you have determined your ideal price point you are ready to start scheduling showings… Because trust me, it is hard to look at a $200k property objectively if you are comparing it to a $400k property you saw last week.

3. Showings — The Logistics. A lot of clients aren’t sure exactly how sowings work logistically. Who drives? How long do we get? What time of day is best? I fully intend to dig deeper into this subject with a future blog post but I’ll cover the highlights here.

Typically a buyer and agent will meet at the property at the designated time. In most instances this will not be the first time you meet your agent. A good agent that cares about your search and guiding you through the process should offer to meet you at their office prior to showings. After all how can they help you find your home if they don’t know what you are looking for? We have already discussed the fact that most homes are selling within hours of hitting the market so chances are that you and your agent will be viewing more than just this home together. This initial meeting is an opportunity to interview your agent to find out if they’re the type of person you wish to work with. Do they take the time to hear what is important to you? Are they able to answer your questions about timelines and contingencies? This is a long process it is important to find an agent that you know, like, and trust to represent you on this journey.

Sellers typically allow appointments to be anywhere from 15–60 minutes in length. An hour may not seem like a lot of time but, in most instances, people know within the first 10–15 minutes if a home will suit their needs or not. After all, there is no sense in spending an extra 45 minutes in a house if your car doesn’t fit in the driveway.

4. Start With Three. — A lot of people think that to make the day “worth it” they have to see as many houses as possible. In fact the opposite is often true. I generally advise clients to see no more than 3 or 4 homes at a time. Most clients tell me that the more homes they look at the more they all start to blend together and at the end of the day people often forget which homes had what features. Furthermore, with properties selling as quickly as they are it is entirely possible that house #9 is your dream house but you may not see it if they get an accepted offer while you are still driving across town to look at the other 8 houses.

My advice to clients in a fast moving market is to be as intentional as possible about showings. If you know that 123 Main street has everything you love plan on seeing it before moving on to another option that you like but would require renovations or additions. Similarly if you fall in love with the first home you see be prepared to move quickly if you want to make it yours; while you are out looking at two more houses “just to see” the people that saw it an hour ago are heading back to the office to submit an offer.

5. Look Past Their Stuff — A lot of people know intellectually that the seller’s stuff will still be in the home at the showing but still have a tough time imagining the home empty or filled with their personal belongings.

It is important to not be distracted by their beautiful decorations (they aren’t coming with the house) or the color of the cabinets (that’s an easy change). Focus on the floor plan, the room sizes, and the neighborhood. Is there evidence of water damage in the basement? How long would your commute be? Focus on the things that you can’t change to determine if the house suits your needs as well as which projects you are willing and able to complete. It might be easy to knock out a wall and revamp the floor plan but do you want to take on that sort of project?

Keep in mind that houses are built by, lived in, decorated, and renovated by people. There is no such thing as the “Perfect House” just the one that is perfect for you.

Posted in Buying a Home
Feb. 5, 2021

6 Things To Know Before You Go: FSBO


 

6 things to consider when considering not using a real estate professional.

With record low inventory, top dollar prices, and rock bottom interest rates it is no surprise that the housing market is, to use the professional term, “BANANAS” right now. This means a lot of homeowners are considering selling to cash in on their equity and finally move on up to that deluxe apartment in the sky. Naturally, they are considering how to get the most cash in their pockets and the first thing that comes to mind is by saving on the realtor fees, after all, “how hard could it be?” Read along to get an idea of the work that is typically involved to decide if going For Sale By Owner (FSBO) is right for you. 

Photo by Jessica Lewis on Unsplash

Finding a buyer is the easy part.

With the aforementioned inventory shortage, low-interest rates, and the extra time at home people had in 2020 record numbers of people are surfing the internet as a means of escape. Seriously, even the New York Times had an article about it. So finding people that are curious to see inside your home isn’t the hard part. The time-consuming part is finding a buyer that is ready, willing, and able to purchase your property. Sure, you get phone calls (like a lot of phone calls) of people that want to set up a showing, sometimes they’ll even be sitting in your driveway and want to see the house immediately. But will they all be preapproved for your purchase price? Probably not. Will they all have a partner or spouse that is 100% on board with moving again? Maybe. The truth is people are curious by nature and most of us like to appreciate beautiful things; so when given the opportunity to see inside of a home that is beautifully decorated and just slightly out of our price range we’re still eager to see the home because “maybe they’ll come down on the price”. It is usually more aspirational than malicious, but it still costs the seller valuable time. 

Your Phone Will Ring… OFTEN.

This goes back to the low inventory and rising rental costs again. Buyers are desperate and agents are getting creative which means you’ll likely get calls from both. You will also get calls from people asking if you will rent to own or sell “on contract”. It isn’t uncommon for prospective buyers that are only a few months away from being preapproved to propose a rent-to-own offer to a FSBO seller. Unfortunately, most sellers are not interested in being landlords and are likely to be relying on the proceeds from their sale to purchase their new home. Most of the FSBO sellers that decide to list with me cite this as their #1 reason for deciding to do so. Just to make the phone calls stop. 

Vet People Before Showings.

A lot of people think they can wait until they find a home to get preapproved. In fact, some less experienced buyers may even make an offer on your property before even applying for preapproval. Experienced agents realize what a gamble this is. Plenty of prospective clients are shocked to find that an error on their credit report or a high debt to income ratio (thanks student loans) is enough to prevent them from getting preapproved for their dream home. Conversely, a buyer may be shocked to find out they can actually afford much more home than expected and decide to move on to a different home with more space or extra bells and whistles. 

Any agent worth their salt should request a preapproval letter prior to showing your property. Especially in the age of COVID-19.

Unfortunately, many buyers that are turned down by agents because they aren’t preapproved are still excited about the prospect of buying their next home and are excited to view and compare properties in person. Many of these buyers will contact FSBOs because they don’t expect the owner to vet them quite as well as a real estate professional. 

Similarly, you may get calls from prospective buyers and sellers that are thinking about buying or selling in the future but are not ready to talk to an agent yet (i.e. they aren’t actually ready to buy or sell yet) so they are exploring FSBOs as a way to scope out the market without having to deal with a “high-pressure salesperson”. The rationalization is that the seller must be ok with window shoppers if they expect to sell the home. While this is a completely logical thought process it also means a lot more phone calls & showings that will result in dead ends. While it is true that a certain amount of traffic is necessary to show your property to prospective buyers, it has never been more important to keep unnecessary traffic to a minimum than in the current age of COVID-19. 

Ready, Willing, Able buyers are almost always working with an agent. 

A whopping 89% of the time to be exact*. According to the National Survey of Home Buyers and Sellers for 2020 a whopping 89% of real estate transactions closed in 2020 were assisted by a real estate professional in some capacity. While only 8% of the total home sales of 2020 were unassisted by a real estate professional in any capacity.

You can blame this on inventory as well. The fact remains that ready, willing, and able buyers are usually on a deadline. This is especially true if their home has already sold, their lease is about to expire, or they have already accepted a new job in a new city. People that are in urgent need of housing (“A buyers” as they are known in the biz) are rarely perusing FSBO websites, making 10 individual calls, and scheduling 10 individual showings spread out over several weeks to accommodate the schedules of all buyers/sellers and family members that plan to attend each showing. These people are making one call to a Real Estate Professional and letting them sort out the scheduling nonsense. They are telling their agent what they are looking for or maybe exact addresses they want to see on Saturday and moving on to the next item on their list. After all, they’re in the middle of a move now and have a million and a half things to tick off their list before their family is ready to move. 

Furthermore, many first-time buyers are intimidated by the process and are much more afraid that a more experienced FSBO seller will take advantage of their lack of knowledge. These buyers often feel more comfortable having an experienced professional representing them and protecting their interests. 

Be prepared for low offers and high emotions.

Some of the most delicate conversations an agent will have with a client are the conversations around expectations. Most first-time homebuyers are unfamiliar with the costs of repairs or renovations. It isn’t uncommon for buyers to overestimate the cost of a simple repair and subtract that inflated cost from the list price to determine how much they should offer. 

More experienced buyers that have not purchased real estate in several years may rely on old practices or outdated information to determine what repairs they will ask the seller to make after inspections. A buyer that asks a seller to address every item on an inspection report may offend a seller. While a buyer that pays top dollar is likely to expect a property to be in “like new” condition. These conflicting perspectives often result in heated or emotionally charged arguments and, in many cases, result in one party walking away from the contract. Meaning more lost time and lost money for both parties. 

Talk to an agent before you make a final decision.

Come on, you knew it was coming. And while I genuinely home it is me that you choose to represent you, the most important thing of all is that you choose a representative that you trust to have your goals and interests in mind. Find someone that takes the time to understand your unique circumstances so they understand what is important to you along the way. Because it isn’t always the same for every seller. The grandparents selling the home they raised their family in certainly cares about money, but might also like to know that the next owner appreciates it as much as they did. A busy family shuttling back and forth between practices and recitals may be more concerned with finding a buyer that can look past some deferred maintenance they haven’t had time to take care of. An investor looking to liquidate assets may prefer a cash buyer with a quick close, even if it means taking a few thousand dollar hit. 

You may be surprised to learn that paying an agent can save you time and net you more money. One way this is possible is through pricing. While you may have been keeping an eye on what has recently sold in your neighborhood a good agent should be able to price your home for where the market is going as well as where it has been. Using the MLS to see what properties are sitting on the market longer than expected as well as properties that are currently under contract that will serve as comparable sales for your property 30–45 days from now. Agents should also be monitoring policy changes and other external factors that could impact your transaction; how might an impending government shutdown affect your buyer’s USDA or VA loan for example. 

As you may have noticed, most of the advantages of selling with an agent revolve around protecting the seller’s time. While saving a few thousand dollars on commissions may seem like a great idea, take some time to truly consider the time and energy cost associated with selling FSBO. Time spent on dead-end showings, phone calls from strangers sitting in your driveway asking to see the house at a moment's notice, or a few days lost while waiting by the phone for that nice couple that swore they would call when they made a decision. That time lost at work along with family weekends interrupted, it all adds up and you are more likely to find yourself losing days to save dollars.


*Copyright ©2020 “Profile of Home Buyers and Sellers.” NATIONAL ASSOCIATION OF REALTORS®. All rights reserved. Reprinted with permission. February 5, 2021, https://www.nar.realtor/research-and-statistics/quick-real-estate-statistics

Feb. 3, 2021

Service Guarantee

Because real estate is a little different than most products we shop for, the Guarantee has to be a little different too. I can't guarantee the condition of the home, set the seller's price, or promise that your dream home will be available and on the market when you are ready. But I can make the following service guarantees when you work with me:

  • I will never try to sell you a house you don't want. - My worst nightmare is having my clients wake up in their new home and think to themselves "That darn Realtor talked me into this house that I hate." It makes your life harder, ruins my reputation, and usually results in wasted time and money for everyone involved. That's bad news bears and I am not about that life. 

 

  • My mission is that you are educated and informed of every step along the way before you ever sign anything. This means getting on the same page about things like timelines, appraisals, post-closing possession, and the other millions of moving pieces that are put in motion from the day your offer is accepted to the day you close. I can't promise that we won't experience hiccups along the way, but I can promise that you'll be well informed of possible snags and be completely prepared for them should they arise.

 

  • I communicate.... like a lot. - Year after year national surveys show that the #1 complaint against most Real Estate professionals is that they don't communicate. Clients report that their agents waited days to respond to messages, didn't answer phone calls, and failed to present pertinent information regarding their transactions. This is bananas in my opinion. With technology being what it is we are now more connected than ever and I am here for it! That means you will always know how to reach me: Text, call, email, DM, carrier pigeon whatever works for you. Obviously, I need to sleep sometimes and I do make it a point to be present with my clients during every appointment or call so I may need some time to get back to you (especially in the wee hours), but I can guarantee that if you reach out I'll be there for you, just like the Rembrants. 

 

  • My job is to be your advocate - Once you select me to be your Realtor your priorities become my priorities and it's you and me against the world. You've heard of attorney-client privilege? It's kinda like that, once you pick me to represent you you have a professional on your side with your interests and goals in mind.

 

  • I'm Local - A lot of websites out there collect a lot of information regarding the national housing market. They scrub deed transfers, they mine for mortgage data, and they send you unnecessary information about buying a property that could conflict with local real estate practices. Different states have different laws and regulations governing real estate transactions and because the real estate market is constantly changing those rules and regulations can change too. Beyond that, I'm in your community talking to prospective home buyers and sellers every day which means I have a much better pulse on what is happening in our area than someone reviewing a spreadsheet in Seattle.  

So now comes the "how" bit. I am able to provide these guarantees because I want to serve my clients in a way that most Agents are not. By that I mean I want to serve my clients in whatever way they need. My job is not to be a gatekeeper guarding information until the day you are ready to sign a contract or to just show up at closing to pick up a check.

My job is to collect as much information and experience as possible so you don't have to. My job is to listen to your real estate needs and find a solution that works for your unique situation. My job is to provide counsel and to facilitate you in making the best decision for your family.

I do this by asking genuine thoughtful questions about what you are looking for in your next home, what you love about the place you live now, and if you could turn your last home into your dream home what would that take? These questions give me a clear picture of your needs and allow me to save you time, money, and headaches.

If this is the kind of service you are looking for in your Realtor give me a call or send me a text 502-324-3375! If you aren't genuinely convinced I'm here to help we'll part ways as friends with zero commitments or hard feelings. Thanks for reading! I look forward to working with you!

Feb. 1, 2021

Types of Contingent Offers

Types of Contingent Offers

What to do when you have to sell before you buy

It is the ultimate real estate catch 22. You have found your dream home after months of searching, but you will need to sell the house you live in to get it. Historically, homebuyers have had time to find a new home, make a contingent offer, and have a few days to get their current house cleaned up and ready for showings. Among other factors record low-interest rates, a global health crisis, and general economic uncertainty have resulted in homes selling within hours of being listed and often receiving multiple offers.

This means that many sellers are having to choose between a buyer that is ready to purchase today or a buyer that will have to wait for their old house to sell before they can purchase. And if the seller on your dream house needs to sell that dream house in order to buy their dream house, and chances are they aren’t too excited to wait for your house to sell first. So what is the best way to proceed? First I would suggest contacting a local real estate professional to get an idea of your specific circumstances and options. But if you aren’t quite ready for that a quick explanation of the types of contingent offers is a good place to start. Here is a quick look at the two most common types of contingent offers in our area.

  1. Traditional Contingent offer: A traditional contingent offer is an offer to purchase that is dependent upon the buyer’s currently pending transaction closing. That “currently pending” bit is the important part here. In order for a purchase agreement to be contingent, most states will require the buyer’s property to be currently under contract and some will even require the buyer to provide the seller with pertinent information about the contingent transaction including the closing date and how far they are in the sale process. Even if your state doesn’t require this a good real estate professional should be comfortable asking these questions so that all parties are clear on the timeline and possible issues that could arise.
  2. First Right of Refusal: A First Right of Refusal offer is an offer to purchase that is dependent on the buyer’s current home being listed for sale and then getting an accepted contract. This is the type of offer that most homebuyers feel most comfortable with. Typically the offer specifically addresses how soon the buyer’s property will be listed for sale and how long they have to get an accepted offer. During this time the house usually stays active on the market and the seller is welcome to have showings and even receive and negotiate offers. While most buyers prefer to write a first right of refusal offer, few sellers are comfortable accepting them. Oftentimes the seller has already gotten an accepted offer on their next home and simply can’t spend the extra days waiting for their buyer to wait for a buyer.
Photo by Andrew Seaman on Unsplash

So what's the best course of action? Timing is everything. Talk to your agent early and often. Be sure that your agent asks the right types of questions to determine which type of offer best suits your timeline and your specific situation, both as a buyer and a seller. They may be able to provide you with an outside-of-the-box solution that you may not have considered. For instance, some states allow a seller to advertise that they will not accept any offers until they have found a home to purchase. Some more tech-friendly sellers might prefer a cutting-edge iBuyer program that involves a company to purchase their house online remotely, allowing them to move on to their next home more quickly. Ultimately, what is most important in every real estate transaction is being aware of all of your options and having a trusted professional that knows what is most important for your family and your specific circumstances.

Feb. 1, 2021

What Does "Pending" Mean

What Does “Pending” Mean?

Demystifying Real Estate Statuses

Photo by Sebastian Herrmann on Unsplash

2020 was an insanely strong seller’s market in the Real Estate industry. Economic uncertainty, a global health crisis, and record low inventory lead to higher prices and less time on the market with most well-priced homes selling in hours not days. This means a lot of people are finding that a home they have been visiting online for weeks is not only under contract but already scheduled to close by the time they are ready to call a Realtor.

Here in Southern Indiana, we have 5 statuses in the Multiple List Service (MLS) and a different set of rules for each of them. This is just a quick bit of insight on what those statuses mean when you are looking to buy or sell real estate in Southern Indiana.

  1. Active Status: This one is the most familiar to most people. A home that is Actively on the market is available for purchase. Prior to accepting an offer a house is advertised in as many channels as possible. When each of my listings goes active my team creates advertisements on social media, the MLS, and countless other websites. If the seller is comfortable with the foot traffic an open house is scheduled. There is typically a sign in the yard and prospective buyers are able to schedule private showings on the home.
  2. Pending Status: This is the one that confuses a lot of people because the house is still “technically” for sale but it is no longer available for showings. While offers are still able to be submitted, any new offers will be back up offers should the currently accepted contract fall apart. A house is in pending status from the time the offer is accepted to the time the closing paperwork is signed. Typically a house is in pending status for an average of 30–45 days. During this time inspections are completed, repairs are agreed upon, the lender is working on the loan approval, the title company is preparing for the deed transfer, and any other encumbrances are removed to transfer ownership of the property.
  3. Sold Status: This one is also pretty straightforward. Once all paperwork is signed and ownership has been transferred the property is moved to “Sold” status. The home is no longer available for showings, the sign is removed from the yard, and depending on the terms of sale the new owner may be ready to move in that day. Unfortunately, like those in pending status properties that have already been sold may still appear on IDX enabled websites longer than those provided directly from the MLS.
  4. Desire Not To Sell: Desire not to sell status is designed for homes that are actively listed but not available for showings or offers for some reason. A house can be placed in this status if the seller is unable or unwilling to accommodate showings. There are several reasons for a house to be in Desire Not To Sell status. The seller may be on vacation and uncomfortable with showings while they are away, the seller may be working on repairs that came up while the house was on the market, or sadly, there may be a deeper contract dispute going on behind the scenes.
  5. Expired: This is a status that was a bit rarer in the 2020 real estate market. An expired listing is a property that was available for sale but the contract between the seller and the broker representing them has expired.

While all of this is a good bit of general information to have, every real estate transaction is different, in order to get the best possible advice for your situation I would suggest contacting your trusted local real estate professional, if you’re in the Southern Indiana or Louisville, Kentucky area I’d love to be that trusted professional! Call or text me at 502-324-337 I'm happy to be a trusted resource in your real estate adventure! 

Feb. 1, 2021

When Should I Call a Realtor?

When Should I Call a Realtor?

What to do when you have lots of questions but don’t want to waste their time.

Photo by Marie-Michèle Bouchard on Unsplash

There it is. Your dream house. You have been looking for months, maybe even years if you count all those late-night scrolls through pictures of new listings every weekend. And this is IT. Your partner agrees and you’re finally ready to make that dreaded call to the realtor. You guard yourself against their high-pressure salesy techniques that you have been avoiding for all those aforementioned months. But when you finally call they give you the news “Sorry, that one is pending and not available to be shown. But I’m happy to help you find another property. When is a good day for us to meet?”

This is a conversation I have on an almost daily basis and it always breaks my heart to have to tell someone that their dream home is gone, and even worse, I could have shown it to them a week ago if I had just known that they were interested.

As a millennial myself I must fully admit a few things:

  1. I rarely answer my personal phone number because I hate robocalls just as much as the next person.
  2. A text message will almost always get a faster response from me than a voicemail.
  3. I have an entire email account set up just for unwanted mailing lists and requests to “provide an email address for access to this ‘free’ content.”
  4. More than once I have placed an order online for something that I could have easily purchased in-person. Because it was cheaper, I got to spend extra time with my family, and it was guaranteed to be there the next day.

I get it, anyone that uses the internet or social media regularly is constantly bombarded with advertisements. Strangers are leaving you messages daily about an extended warranty on a car you don’t even own anymore. And all you are trying to do, all day long, is sift through all the noise to get to the useful information. I get it. Me too. And I genuinely want to help.

My goal is never to overwhelm or push. My goal with every client is to help them fight through the noise and the nonsense to get to the heart of why they need to make their move, when makes the most sense for their family and their finances, and how to help them find exactly what they need to make their lives easier and families happier.

Most people think that my job as a Realtor is to unlock the door, write a contract, and collect a check. Unfortunately, a lot of Realtors think that too. The fact is that the role of a Real Estate Professional has changed. My job is no longer just to provide access to homes/inventory, the internet takes care of that now. My job is to be an advocate for my clients.

My job is to know your needs well enough to sift through the hundreds of homes in the Multiple List Service to save you time (and usually gas too). It is my job to know which properties qualify for the type of financing you qualify for. It is my job to answer why one website says you will need 20% down and another says 0% down. I’m here to know the difference between closing costs and down payments, and what the heck is PMI anyway? I’m here to help work through the timeline of when to list the current house or break the current lease to avoid being homeless or moving back into your parent's basement until your new house is ready. And that’s all before we even see the first house!

Once you have found your new home my job becomes more about contract negotiations, avoiding delays, and preparing you for any possible hiccups along the way. I’m here to know all of these things so you don’t have to. I’m here to deliver all of this information directly to you, so you can spend more time with your loved ones and less time fact-checking things you read online or picked up at last week’s dinner party.

We are so fortunate to be alive in this heightened age of technology. We have access to global information instantly and have more options than any generation in history. Unfortunately, Real Estate is still a hyperlocal industry and as inventory changes minute to minute the best advantage that any homebuyer can have is an advocate that is aware of their needs, circumstances, and goals.

If this is the type of advocate you would appreciate in your home search I would welcome the opportunity to serve you. So let's have a chat, give me a call and fill me in on what your timeline looks like, what concerns you have, and what weird piece of real estate advice you heard somewhere but aren’t quite sure about. I’m happy to help you sift through the noise to save you a lot of time and a few headaches.

Posted in Buying a Home