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We know where the best homes are located in Indy.  Whether you are a buyer looking for new construction, a resale, historic property, downtown condo, or investment properties, we can help! 

My job as a Realtor is to help you find the perfect home within your budget. 

Before we find that home, you need to start the mortgage process.  Most sellers are going to require a pre-approval letter from a lending institution before accepting an offer and you will also need one to be sure there are no surprises showing up after you find the perfect home.  The pre-approval process will also help determine how much you can afford to pay for a home.

 

There are several factors to consider related to a mortgage.  Though Principle, Interest, Taxes, and Hazard Insurance (PITI) make up your monthly payment,  there are also closing costs, down payment, Home Owner Association dues, and possibly mortgage insurance to consider.  I can help you determine HOA dues, taxes and Title Fees, but your mortgage broker will help you determine the rest.

 

After your initial meeting with a mortgage professional, you should receive a Good Faith Estimate (GFE) that shows all of the closing costs associated with your mortgage application. This estimate is required by The Real Estate Settlement Procedures Act and must be given to you within 3 days of applying for the loan.

 

Working with a mortgage professional that you feel comfortable with is important.  Our experience shows that having an experienced local mortgage professional tends to improve your odds of a smooth transaction.  If you are not sure whom to use, ask your Realtor.  Chances are they know the ones that get the job done right and stay on top of things.  Most Realtors have a relationship* with a few mortgage professionals

whom they trust to get things done.  So when in doubt, ask about! 

 

Debra Wilson

Real Estate Agent & Realtor

Carmel, Indiana