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Your Dream Home Team. “Representing First Time Home Buyers in Pursuit of Their Dream”. Your Dream Home Team. You are the Chairperson on the Board Choose your board members with care. Dream Home Team Members. Lender – April Horton Realtor – Lela Hankins Inspector – Mike Munyer.

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your dream home team

Your Dream Home Team

“Representing First Time Home Buyers in Pursuit of Their Dream”

your dream home team2
Your Dream Home Team
  • You are the Chairperson on the Board
  • Choose your board members with care
dream home team members
Dream Home Team Members

Lender – April Horton

Realtor – Lela Hankins

Inspector – Mike Munyer

dream home team lender
Dream Home Team Lender

April Horton

Home Mortgage Consultant

why buy instead of rent
Why Buy Instead of Rent?
  • Buying a home can be a wise investment
  • Typically, a home increases in value over time.
  • You build ownership interest called equity.
  • Interest paid on home mortgage is usually tax deductible.
so where do i start
So Where Do I Start?
  • Put together a personal “Dream Home Team” of experts:
    • Realtor
    • Certified Public Accountant
    • Home Inspectors, Escrow, Title, Etc.
    • Home Mortgage Consultant
what will the home mortgage consultant do for you
What will the Home Mortgage Consultant do for YOU?
  • Explain the process from start to finish
  • Credit
  • Loan Programs & Payments (PITI)
  • Preapproval-Determine Affordability so you can get started!
how important is pre approval
How Important is Pre-Approval?
  • We recommend applying for a loan preapproval before you begin your home search.
  • Find out exactly how much home you can afford.
  • Complete the application and credit review stages of the mortgage process.
how important is preapproval continued
How Important is Preapproval? (Continued)
  • You may be asked to provide documents or letters that:
    • Verify income for loan qualification.
    • Confirm down payments and closing costs.
    • Clarify incorrect items on your credit.
    • Verify your debts used to ensure accuracy.
now it s time for the next stage
Now It’s Time For The Next Stage
  • Comfort Level and Trust are key when deciding on your “Dream Home Team”.
        • Find a Lender.
        • Find a Realtor.
        • Find a Home Inspector.
dream home team realtor
Dream Home Team Realtor

Lela Hankins

Broker Associate

RE/MAX Professionals

our mutual objective
Our Mutual Objective
  • To Find YOUR Dream Home
    • At the best possible price
    • In the shortest amount of time
    • With the most favorable terms, and
    • With as little hassle as possible
where do we find your dream home
Where do we find YOUR Dream Home?
  • Homes currently listed for sale in the multiple listing service
  • For sale by owners
  • New Homes
  • Special Marketing Campaign by Buyer’s Agent
  • Homes for sale by friend or acquaintance of buyer
buyer s agent professional commitment to you
Buyer’s Agent Professional Commitment to YOU
  • Work with you and your lender to determine your desires, needs and qualifications
  • Show you homes which meet your needs
  • Prepare a Comparative Market Analysis before writing an offer
buyer s agent professional commitment to you continued
Buyer’s Agent Professional Commitment to YOU continued
  • Write the offer and negotiate purchase agreement
  • Point out anything they see which could negatively impact the value of the home
buyer s agent professional commitment to you continued16
Buyer’s Agent Professional Commitment to YOU continued
  • Provide you with a list of service providers
  • Handle details during escrow
  • Follow up and “trouble shoot” after close of escrow
your dream home team inspector
Your Dream Home Team Inspector

Mike Munyer

Peak Property Inspections

why is home inspection important
Why is Home Inspection Important?
  • Easton vs. Strassburger
  • No Licensing in California
  • B&P Code is only regulation
  • Look for CREIA or ASHI
  • Gives you Home Maintenance Coach even after you move in!
a home inspection is
A Home Inspection Is…..
  • Generalist’s view
  • Non-invasive physical examination
  • Three to four hours average
  • Provides a computer generated report
  • Determines severity of noted problems
a home inspection is not
A Home Inspection Is NOT…
  • Destructive Testing
  • X-ray “leak detection” vision
  • Code Enforcement
  • Appraisal
  • Home Warranty
home inspection reports
Home Inspection Reports
  • Checklist or narrative
  • Include photos
  • May recommend further evaluation
  • Do not use terms such as asbestos, termite or mold
dream home team
Dream Home Team
  • Choose your team members wisely based on their experience, your trust and level of comfort with them
  • YOU are always Chairperson on the Board – build your team accordingly.