Buying a home in Today's Market

Start by getting a clear picture of your finances: your income, savings, debts, and credit. Next, talk with a lender about pre-approval so you know your budget, and choose a real estate agent to guide your home search. From there you will tour homes, make an offer, go through escrow, and close. Alisa can walk you through each step so you always know what comes next.

More than just a down payment. Plan for your down payment (some loans allow as little as 3% to 3.5% down, and VA loans may allow none for eligible buyers), closing costs (typically around 2% to 5% of the purchase price), an earnest money deposit, inspection and appraisal fees, and cash reserves after closing. Your exact number depends on the price, loan type, and what you negotiate, and Alisa can help you build a realistic estimate before you start shopping.

You may have more options than you think. Alisa can help you explore seller concessions toward closing costs, interest rate buydowns that lower your payment, down payment assistance programs through state, county, and local agencies, and low-down-payment loans. Programs and eligibility vary, so Alisa works with trusted lenders to match you with what you qualify for and negotiates your offer to reduce the cash you need to close.

Common options include conventional, FHA, and VA loans, with fixed-rate or adjustable-rate terms. Pre-approval is when a lender reviews your income, credit, and assets and tells you how much you can borrow, which helps you shop with confidence and makes your offer stronger. Alisa can connect you with trusted local lenders so you can compare your options.

Your home goes into escrow, a period often lasting about 30 to 45 days in which inspections, the appraisal, final loan approval, and paperwork are completed before closing. Alisa helps you manage deadlines and stay on track until you get the keys.

You aren't required to use one, but a local REALTOR® can help you find homes that match your needs, evaluate pricing, negotiate offers, navigate inspections and disclosures, and manage deadlines through closing. Alisa brings 17 years of experience to help buyers move forward with confidence.

Reach out using the contact form or phone number on this site to schedule a free buyer consultation. Alisa will discuss your goals, budget, preferred areas, and must-haves, then set you up with a custom home search and guide you step by step from search to closing.