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Providing you the information needed to purchase your next home.

The Home Buying Process in a Nutshell

5 Factors That Decide Your Credit Score

We give our clients the attention they deserve. By listening and learning the factors as to why a given client’s credit is either on the lower end (200) or on the higher end (800), we’re able to better coach them towards reaching a score that’s desirable for obtaining a mortgage.

Payment History. Did you pay your credit card obligations on time? If they were late, then how late? Bankruptcy filing, liens, and collection activity also impact your history.

Amount Owed. If you owe a great deal of money on numerous accounts, it can indicate that you are overextended. However, it’s a good thing if you have a good proportion of balances to total credit limits.

Credit history Length. In general, the longer you have had accounts opened, the better. The average consumer’s oldest
obligation is 14 years old, indicating that he or she has been managing credit for some time, according to Fair Isaac Corp., and only one in 20 consumers have credit histories shorter than 2 years.

New Credit Opened. New credit, either installment payments or new credit cards, are considered more risky, even if you pay them promptly.

Types of Credit. Generally, it’s desirable to have more than one type of credit — installment loans, credit cards, and a mortgage, for example.

Credit Scoring Tips for Borrowers

  • Get rid of your collection accounts.
  • Get rid of your past due accounts.
  • Get rid of your charge-offs and liens.
  • Get rid of your late payments.
  • Become an authorized user.
  • Check your credit limit(s) and evenly distribute the balances you are carrying.
  • Do not close your credit cards.
  • Keep your old credit cards active.

Mortgage Calculator

Curious about your mortgage payment amounts?

Your home mortgage loan is based on the sales price of the home, the term of the loan desired, the buyer’s down payment, and the loan’s interest rate amount. Our Mortgage Calculator can help provide a helpful estimate regarding what a monthly payment could look like for the home you’re interested in. Please keep in mind that a lender can offer a more precise number once you begin the finance process.

Buyer FAQ's

Buying a home can be one of the most stressful times in a person's life. It doesn't have to be. To help alleviate any intimidating feelings you might be experiencing, we've curated a short list frequently asked questions by buyers.
Is there an average number of properties a buyer looks at before making a purchase decision? If so, what is that number?

No. No two buying processes are the same. With the internet, buyers are viewing homes online and are then deciding which ones they want to see.

On average, how long is the buying process?

45 days after you have an accepted offer.

When’s the right time to make an offer and how much should I put down?

When you know it’s the home for you. There are loan programs out there that allow you to put 0%, 3%, 3.5%, 5%, 10%, 20% down. Speaking with a lender or mortgage broker will help you better understand what you are qualified for.

How much should I offer?

It depends if you are in a buyer or seller’s market. It also depends if you’re asking for the seller to pay for closing costs and if the home was listed at a fair list price.

Is a home inspector really necessary?

They are not mandatory, but they do offer you an informed decision on your purchase.

What happens at the closing?

Closing is the final step to the buying or selling process. The seller will sign documents to transfer ownership. The title company will register the deed in the buyer’s name. All loan documents and documents for the deed to be transferred are signed. You will need your ID at closing.

The closing date on the contact: is that guaranteed?

No. There are situations that can arise that prolong the closing. This could be related to inspections, financing, or even titlework. Sometimes deals can close before the date on the contract.

When it comes to earnest money...

Earnest money is good faith money, so it will depend on the purchase.What happens to it after it’s put down?

Earnest money is deposited into an escrow account, where it is held until closing.What happens to it if the contract is not accepted?

We collect earnest money upon acceptance. If the deal falls through based on one of the contingencies, the money is returned to the buyer. Otherwise, the money is returned to the seller.

Is it at all possible to find the perfect property on the first day (80-10-10 Rule)?

Yes it is! The 80-10-10 rule means that 80% of the home you love, 10% of the home you can change overtime, and 10% of the things you can live with.

What should I refrain from doing while house hunting?

Buying any large ticket items or using any credit. Also, quitting or switching your job.

When will I get the keys?

Typically at closing, but there are situations where the buyer takes possession days or weeks after closing.

What is the process to get my earnest money back if the contract is accepted and the home inspection finds an issue?

A mutual release is signed by all parties, then the earnest money check will be sent from the escrow account.

What’s the likelihood of a multiple offer situation?

In a seller’s market, it is highly likely.

What monies will I need to come in with?

Earnest money, money for home inspection, closing costs if applicable, and homeowners insurance.

What Our Clients Are Saying

"I was very pleased with everything Taylor provided for us. Her availability, the houses she sent to me to look at that were around my wants. The communication she had was amazing. Answered questions with clear answers. When the time comes again to move, I will be requesting her again :)"
- Tyler Ford

"Kayla Ralph was so helpful showing us homes and making us feel comfortable as we are from California and had to be educated on the area. She quickly understood what was important in our home search and found us a great home in a very desirable area. Kayla was always available to talk and answer our questions. This was a very stress free, smooth transaction. Thank you Kayla!"
- Tim & Angie Todd

"Julie Dalson was an amazing real estate agent. This was our first home purchase. She walked us through the steps from the beginning so we had a good grasp on what to expect. Day or night she was a text or phone call away. If you want an agent who communicates effectively and looks to get you the best deal Julie Dalson of Listing Leaders needs to be your agent."
- Amanda Miranda

Lauren & Julie Capron review: "Great work done by Julie and Lauren. Did not stop working hard until I found the house I was meant to be in."
- Nicholas Bailey

"Heather would answer her phone anytime. She made herself very available and took care of everything. Very personable and helpful."
- Brenda & Matthew Hess

Review for Kayla Ralph. " Always there for me with a positive smile, answered all my questions, a great agent, thank you Kayla."
- Joseph & Judith Fuesse

"Working with Heather Lloyd gave us the best experience with buying our first home with every aspect."
-Antonio L.