We Can Help You Find Your Dream Home!
Buying a Home is a Big Decision
A professional and experienced realtor will help you avoid costly mistakes. We can help you through the process, whether it is your first home, your dream home, or your next rental property.
It’s helpful to make a list of what you want in your new home. Whether it is a certain type of home, a certain areas you want to live in, or being close to a particular school or park – we can help you navigate the entire purchase process from beginning to end.
Do We Need a 20% Down Payment?
No… there are many options for purchasing a house, such as ZERO to 5% down. The best thing is to create a file of your finances. The following documentation should be added to this file…
- Financial Statements
- Bank Accounts
- Investments
- Credit Cards
- Auto Loans
- Recent pay stubs
- Tax returns for the last two years
- 401K statements, life insurance, stocks, bonds, and mutual account information
Does Our Credit Have to be Perfect?
The answer may surprise you! A perfect credit score is not needed, but you should be careful with your finances. Your credit score will have a huge impact on what type of loan and interest rate you can receive for your purchase.
Credit scores range between 400 and 800. 650+ is considered “good” 700+ is considered “premium” and may possibly help get you a lower interest rate.
The following are the 3 major credit reporting agencies to help you determine your credit rating…
- Equifax http://www.equifax.com (800) 685-1111
- Experian http://www.experian.com (800) 392-1122
- Trans Union http://www.transunion.com (800) 888-4213
Do We Just Make an Offer On a Home We Like?
We suggest you follow the follow process when choosing to buy a home…
- Choose an Agent – Make sure your agent will truly be an advocate for you. By choosing the Real Estate Company, you will have a trusted advocate that will guide you through this process while protecting your interest from the beginning of your search to your closing.
- Get Pre-approved for a Mortgage – When you have a pre-approval letter, you are in the best position for your agent to negotiate your favorable deal.
- Create a Wish List – Creating a list of your wants and needs for your new home helps your agent to find you the perfect match.
- Find Your Dream Home – The Real Estate Company will use its extensive broker networking to have access to many desirable properties before they even hit the market.
- Make an Offer – Let our agents guide you successfully through the offer process, making sure the offer is fully submitted, professional, and meets your desired terms.
- Negotiate – Our team works tirelessly to negotiate the optimal deal for each and every client.
- Create a Closing Contract – The Real Estate Company Agents will guide you through the purchase process, no detail will be overlooked. Our agents will go and beyond to make sure you are in the know every step of the way.
- Have a Successful Closing – Our experienced team will work patiently to make sure no detail is overlooked while getting you to the closing table.
- After The Purchase – The Real Estate Company is proud of being an available trusted resource to its many clients. For sourcing a good contractor for a home improvement or maintenance project to advising clients on the value of upgrading their home.
Do I Really Have to Get Pre-Approved?
There are several benefits to getting a pre-approval letter…
- You will know exactly how much real estate you can afford.
- Your future offer will be better positioned than someone less prepared.
- Being pre-approved reduces the amount of time it will take your lender to fund your loan.
Be prepared to provide comprehensive documentation…
- Job and Career Status
- Income
- Monthly Debt Payments
- Cash Available
- Total Assets and Debts
High Energy, Passionate Real Estate Services
Kim Caywood
Partner &
Principal Broker
(859) 979-1508
Serving Central Kentucky
Residential, Multi housing, Investment, and New Construction Realty Services for Lexington, Richmond, and Surrounding Areas. Our love for Central Kentucky and our clients is the key to our success. We provide careful guidance, persistence, and savvy marketing to deliver results for our clients time after time.
Josh Barrett
Partner &
Real Estate Advisor
(859) 582-7975
Kim Caywood
Principal Broker
(859) 979-1508
Josh Barrett
Real Estate Advisor
(859) 582-7975
Serving Central Kentucky
Residential and Multi-family Realty Services for Lexington, Richmond, and Surrounding Areas. We close over 40 million in sales each year. Our love for Central Kentucky and our clients is the key to our success. We provide careful guidance, persistence, and savvy marketing to deliver results for our clients time after time.
Financing Questions? We Have Answers!
Looking for an agent to guide you through the home buying process? Wondering just how to maneuver the financing of your home purchase? You have come to the right place! We can help you through the entire process!
The Real Estate Company is known as being a fierce advocate for their clients’ best interests. Each of our agents possesses a true passion for helping clients buy their dream home or property.
STEP 1 - Get Pre-Approved
Before you start looking for a new home, it is wise to get pre-approved for a loan amount. This lets you know your options right upfront. A Loan Officer will gather the following to determine how much you can afford…
- Credit Report
- Information About Your Income
- Assets and Debts
- W-2 Forms
- Pay Stubs
- Tax Returns
- Recent Bank Statements
STEP 2 - Application Process
Now that you are pre-approved let’s find a house! We will line out your needs and wants, search for a home and get an offer accepted on your next property. This then starts the process of inspections, appraisals, and other necessary steps to protect and ensure you are receiving the property you want at market value you desire. After all the steps are complete, we will set a closing day and so you can start enjoying your new house as soon as possible!
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