Let Lisa Borders Help Guide You To Your Home
Buying a home is one of the most exciting milestones of your life. To prepare yourself for this moment, you need to know what to expect during the process. This step-by-step first time buyer’s guide created by your agent will help reduce the stress of buying a home and help you enjoy the journey as much as possible.
Do you already know where you want to buy? If you want a condo, townhome, or single-family home? Which features do you like and dislike? What’s available on the market now? If you answered no to any of these questions, now is the time to start researching. In addition to looking for homes that interest you, also take note of any changes in asking prices. This could give you valuable insight into housing trends in specific neighborhoods and help you when the time comes to make an offer.
Notice I said to decide on your budget—not determine how much the mortgage company will give you. In many cases, a mortgage company will pre-approve you for more than you’re comfortable spending, which is why you need to determine the monthly payment you feel comfortable with before talking to a lender. This likely includes doing a full household budget and taking into consideration what changes other than a mortgage payment will occur once you move into your new home. If you’ve lived in an apartment or with roommates, you may overlook new expenses like garbage, water, or HOA fees that could easily blow your budget.
Just because you think you can afford a certain payment every month doesn’t mean the mortgage company will agree. Just as they may approve you for too large of an amount, they may also approve you for a lesser amount or deny you a mortgage altogether. Lack of time at a job, insufficient credit, past bankruptcies, or other financial issues can cause major problems when trying to secure a mortgage. Before you get your heart set on a home, talk to a mortgage professional to find out what amount you can qualify for. This will also be an advantage when you make an offer on a home, as some sellers won’t entertain offers from those who aren’t already prequalified for a loan.
Can you shop for, look at, and ultimately make an offer on a home without a real estate agent? Technically yes, but why would you when it costs you nothing for an agent like me to take much of the stress off your shoulders? Not only will I help identify properties you might be interested in, arrange showings, and ultimately handle the offer process, but I also have a knowledge of the market that you don’t possess. I may be able to steer you away from certain homes or neighborhoods, suggest hidden gems, or give you pointers that will help you find your dream home for the right price.
This should be the most enjoyable step of the entire process (other than moving in!). I will arrange showings of homes you’re interested in that are within your price range. Take notes about what you like and don’t like, and make sure to pay attention to details. Turn light switches on and off, open and close doors, and run the faucets in various rooms. Don’t limit your inspection to the home itself. Make sure to take time to explore the neighborhood and keep an eye on traffic at certain times of the day, the parking situation, and how close it is to necessities like schools and grocery stores.
Once you have selected the perfect home, work with your agent to craft a fair offer based on the value of comparable homes on the market. Depending on what the home is listed at and whether the current environment is a buyer’s or seller’s market, your offer may be below, at, or even above the asking price. I will be able to help you negotiate if you receive a counteroffer and reach an agreement. At this point, the house will go into escrow.
In most cases, your offer will be contingent on having the home inspected to ensure there is no major structural damage or large repairs needed. I can help you arrange this, and you can schedule it within days of making an offer. If there are no major issues, the process goes to step eight. If there is, you can renegotiate your offer based on what needs to be fixed, or you can withdraw it.
Now is the time to go back to the mortgage lender who pre-approved or pre-qualified you and choose your mortgage. You will be presented with various options based on your unique financial situation, including fixed-rate, variable-rate, 15-year, 30-year, or special programs such as VA loans or FHA loans. Work with your mortgage lender to select the option you feel the most comfortable with.
Your lender will have your new home appraised so they have their independent value of it. The appraisal is to ensure that all parties involved are paying a fair price for the house.
No one looks forward to all the paperwork involved in buying a home, but it’s a necessary part of the process. Fortunately, everything will be arranged by your lender and title company and, when you’re finished, you’ll know you are the legal owner of your new home.
After signing the final paperwork to complete the purchase, you are now the owner of a new house. It may take a few days for your loan to be funded once the paperwork has been returned to the lender, but once that check is delivered to the seller, you’ll be all set to move into the home of your dreams.
As first time home buyer and being from out of state, Lisa Borders with RE/MAX Crossroads was incresible. She made the entire process simple, easy to understand and was very encouraging and comforting. She has impressive knowledge of the area, is certainly an expert in the process, great communication skills-responsiveness to text, calls, question anytime of the day and incredible at negotiating. She accommodated our whirlwind trip to Shelby to see several houses and put in a bid in 24 hours by setting up showings all over, easy to follow directions, allowed us to take our time viewing properties and weight pros-cons and seeing the neighborhood. She...— Courtney O.
First, Very, Very Professional. Lisa had a big challenge, she had to prepare two homes to sell for us. Also, Lisa needed to search for the proper real estate value. during this process, Lisa need to tackle our requirements at the same time find a new home that would meet our needed because this new home would be our final Retirement home. You could not ever expect anyone to go as far as Lisa did keeping in contact 24/7. We consider Lisa as family and will recommend this professional as the best Real estate Agent I've ever worked with. Well, today my wife and I are very Blessed to know Lisa, Thank you Lisa Borders, We love you!— Dickson
Well being from out of town trying to sell a home especially when 3 family members are involved in the process can be difficult. I cannot tell you how appreciated we all are that Lisa Borders was able to sell our parents house for us, after being extremely unhappy with a previous Realtor® we were able to get Lisa. I would highly recommend Lisa Borders if you are looking for a real pro Realtor®. She was a great negotiator and really helped make the sale of our home, and had the patience dealing with all our family in the different time-zones. Thank you so much Lisa for all your efforts, you make Remax Crossroads a Class Act.— Eric B.
If you need to sell your house, Lisa is who you need to use. I had never sold a house before and was completely clueless about the whole process. Lisa helped walk me through everything one step at a time. Even though my house was on the smaller side, she worked just as hard to market my house with the pictures, matterport, listing as she would have with a house twice the size. I cannot say enough good things about Lisa. She was absolutely wonderful. She made a very stressful thing in my life, very easy and simple.— Heather
Amazing! Above and beyond! Lisa had soo much patience with us and finding the home we love! I am so thankful I chose her she is not about putting money first, she puts your family first! Make sure we have something safe, and worthy of her selling it to you! I am so thankful for the endless questions I asked she would always find me an answer! I will definitely be telling everyone about Lisa Borders with an S! Thank you so much!— April F.
Lisa helped us buy this house in 2008 and now she helped us sell this home. I am thankful she was still in Real Estate. She has patients, she knowledgeable of Real Estate, she helps explains how selling a home goes, and she also helps you find a home that you want. If you want a Realtor® that knows her job, professional, and expertise, then you need Lisa Borders.— Jenna W.
Lisa is a professional Realtor®. She utilizes the most up-to-date digital tools to ensure your house is exposed to as many potential buyers as possible. Every step of the selling process was clearly laid out by Lisa and made easy for my wife and I. Highly recommend Lisa Borders to you as a Realtor® with the market savvy and drive to return you a successful sale.— Tim M.
After listing our property with Lisa we had an offer within a week. We worked with the buyers and negotiated a mutual price agreement. Even though we had a few issues arise during the due diligence period we were able to successfully close on our property within the allotted period. I would recommend Lisa to help others sell or buy a property.— Allan C.
Lisa is so knowledgeable of the area and so very personable with me and my husband. She took the time to research and guide us in our goals to sell our home quickly. It sold to the very first buyer on the first day on the market. I was amazed, she made it happen and did so with very little stress. I would recommend Lisa to anyone.— Seller
Lisa was very responsive to all questions and concerns. Any updates about the deal, I was let know almost immediately. I used her as my Realtor® to close on my very first home. Will use again and highly recommend. She was fierce in the real estate deal. Lisa is for you and is very knowledgeable about the real estate world.— Chasty K.
Lisa is great to work with. She is very professional and cares about her clients. She is honest and will do all she can to sell your property. (I sold my mom's house). If there is a problem she will work until it is resolved. She keeps you informed of everything going on. I highly recommend her if you are selling/buying.— Luanne G.
I have been very lucky to get Lisa as my agent. She made me feel as if I was the only person she had to work with. She was also very easy to contact didn't care when or what time she was there for me. Since I had moved from out of state her local knowledge was very much needed. She will fight for you to get things right.— Chris
Lisa was the consummate professional during the whole selling process. She was attentive and positive and always very quick to respond to our questions. Her photographer and video team were outstanding. As a result, our home sold in three days. I would recommend her highly to anyone thinking of selling or buying a home.— Elvia V.
If you are looking to buy or sell you home, Lisa is the best Realtor® to work with. She went above and beyond to help me sell my home. I have a very busy schedule and she was able to help with all the details to make sure everything went smoothly. Because of her hard work, I had multiple full price offers in 24 hours.— Robert B.
She was very prompt. She is very helpful. Lisa knows how to sale a house. She also knows how to help you find the house for you. Lisa was prompt in getting the information to you. You are her main priority. The best Realtor® in Gaston, Lincolnton, and Cleveland county. If you need a Realtor® please contact Lisa Borders.— Jeanna W.
We were looking to buy and Lisa came highly recommended from a very close friend of ours. Lisa was super patient, helpful, and knowledgeable. When the right listing popped up, she was on it. We now own our very first home and Lisa was top-notch all the way. Thanks for making our first buying experience so easy.— Brian M.
Lisa Borders is absolutely amazing at what she does! She helped buy our first house, sell it a few years later and buy our new house! Not to mention she had our house under contract in 2 days! We absolutely love her and recommend her to anyone looking for a Realtor®!— Katelyn L.
Lisa was very accommodating. Quick at answering a text, to find out information for you. Recommended Lisa, who was easy to work with. No pressure, just great professionalism. I loved working with Lisa and gladly recommend her as an extraordinary Realtor®.— Marie W.
Positive, professionalism, quality, responsiveness, value, great to work with, stayed on top of all questions we had. Very easy to deal with great advertising for my house along with 360 videos to show your home off. Would recommend her to anyone.— Ricky T.
Lisa is an amazing person and Realtor®. She helped us achieve our goals by finding our perfect starter home. Thank you so much for all that you have done for us. We couldn’t ask for anything better. I definitely recommend Lisa to get the job done.— Katelyn L.
Lisa is amazing. She helped us sell our house and buy our new one in record time. She walked us through every step and answered any questions we had. She made the entire process seamless. Thank you, Lisa.— Debra & Chris D.
Lisa is an awesome agent. She will go above and beyond and will make you feel as if you are the only buyer or seller. Will use it again in the future and recommend her to our friends and family!— Marsha T.
Great to work with, stayed on top of all questions we had. Very easy to deal with great advertising for my house along with 360 videos to show your home off. Would recommend her to anyone!— Ricky T.
Very knowledgeable and great to work with. I purchased a home in Cherryville NC, and the process was very smooth. She has experience and is a great choice for your Real Estate needs.— Wayne B.
Lisa is amazing. If you are looking to sell your home or buy your dream home then she is your girl. She helped me so much through it all. I love this woman. Thank you Lisa.— Kelly G.
Thanks, Lisa for your hard work finding a buyer for our rental home in such a timely fashion. Such an incredible experience working with you. Thanks so much.— Danny & Angela S.
Lisa is great to work with I recommend anyone looking to purchase a property to call Lisa you won’t be disappointed!— Greg H.
Lisa helped me with a purchase of a home in Cherryville NC. The process went very smooth and we closed on time!— Buyer
Fantastic Realtor®! Things went way smoother than I ever thought possible.— David B.
Lisa stuck with us until the deal was done, she can do it for you too.— Daniel M.
I'm passionate about helping my clients sell their homes and buyers find their dream homes. It’s not about the sale that makes me happy, it’s knowing I have made a difference in my clients lives by finding their dream home or selling their home.