- English
- Apartment rental
- Buyer representation
- Condos & townhomes
- Exclusive buyers services
- First time home buyers
- Foreclosures (seller representation)
- Investment properties
- Land buyer representation
- Land seller representation
- Landlord representation
- Luxury properties
- New construction buyer representation
- New construction seller representation
- Probate properties
- Property management
- Relocation
- Renter representation
- Seller representation
My Bio
With a paralegal background, my passion is to help individuals find their dream home or assist sellers to maximize their potential in the sale. I served in the New York area. As a proud member of the eXp Realty family, I carry the values of hard work, integrity, and outstanding client service into everything I do.
I recognize and value the trust of my client's place in me, and I strive every day to exceed your expectations. I understand and appreciate the many unique benefits of living in New York with its unmatched beauty, culture, and amazing restaurants! I know all aspects of the real estate process.
As an active and connected community member, I will make sure you have the best experience with your real estate needs! When I am not working, I enjoy spending time playing soccer or reading books I can’t wait to meet you and your family
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Full service home selling
Home buying
Asset management
Condo management
HOA property management
Residential property management
Military relocation
Residential relocation
Concierge real estate services
Finding rental houses and apartments
Finding tenants for a rental property
Full service commercial property selling
Rebate (cashback) property buying
Asset management
Commercial property maintenance
Commercial property management
Facility management
Corporate relocation
Concierge real estate services
Finding commercial property for lease
Finding tenants for a rental property
Certified Residential Specialist (CRS)
Seller Representative Specialist (SRS)
Certified Real Estate Team Specialist (C-RETS)
Smart Home
Apartment rental & leasing agent
Buyer's agent
Condo & townhome realtor
Exclusive buyers agent
First time home buyers agent
Foreclosure/REO listing agent
Investment property realtor
Land buying agent
Land sales realtor
Rental/lease listing agent
Luxury/high end real estate agent
New construction buyers agent
New construction sales agent
Probate real estate agent
Property management
Relocation realtor
Rental/leasing agent (finding rental properties)
Listing agent
Certified International Property Specialist (CIPS)
Seller Representative Specialist (SRS)
Buyer's agent
Getting pre-approved for a mortgage is the first step of the home buying process. Getting a pre-approval letter from a lender get the ball rolling in the right direction.
Here’s why:
First, you need to know how much you can borrow. Knowing how much home you can afford narrows down online home searching to suitable properties, thus no time is wasted considering homes that are not within your budget. (Pre-approvals also help prevent disappointment caused by falling in love unaffordable homes.)
Second, the loan estimate from your lender will show how much money is required for the down payment and closing costs. You may need more time to save up money, liquidate other assets or seek mortgage gift funds from family. In any case, you will have a clear picture of what is financially required.
Finally, being pre-approved for a mortgage demonstrates that you are a serious buyer to both your real estate agent and the person selling their home.
Most real estate agents will require a pre-approval before showing homes - this is especially true at the higher end of the real estate market; sellers of luxury homes will only allow pre-screened (and verified) buyers to view their homes. This is meant to keep out "Looky Lous" and protect the seller’s privacy. What’s more, by limiting who enters their home, sellers are given extra security from potential thieves trying to case the home (like identifying security systems, locating expensive artwork or other high-value personal property).
The national average for down payments is 11%. But that figure includes first time and repeat buyers. Let’s take a closer look.
While the broad down payment average is 11%, first time homebuyers usually only put down 3 to 5% on a home. That’s because several first-time home buyer programs don’t require big down payments. A longtime favorite, the FHA loan, requires 3.5% down. What’s more, some programs allow down payment contributions from family members in the form of a gift.
Some programs require even less. VA loans and USDA loans can be made with zero down. However, these programs are more restrictive. VA loans are only made to former or current military servicemembers. USDA loans are only available to low to-middle income buyers in USDA-eligible rural areas.
For many years, conventional loans required a 20% down payment. These types of loans were typically taken out by repeat buyers who could use equity from their existing home as a source of down payment funds. However, some newer conventional loan programs are available with 3% down if the borrower carries private mortgage insurance