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According to the Consumer Financial Protection Bureau, about half of U.S. home buyers only meet with one mortgage lender before signing up for a home loan. But these borrowers could be missing out in a big way. Why? Because lenders’ offers and interest rates vary, and even nabbing a slightly lower interest rate can save you big bucks over the long haul.

In fact, a borrower taking out a 30-year fixed rate conventional loan can get rates that vary by more than half a percent, the CFPB has found. So, getting an interest rate of 4.0% instead of 4.5% on a $200,000, 30-year fixed mortgage translates into savings of approximately $60 per month, or $3,500 over the first five years.

So to make sure you’re getting the best deal possible, meet with at least three mortgage lenders. You’ll want to start your search early (ideally, at least 60 days before you start seriously looking at homes). When you meet with each lender, get what’s called a good-faith estimate, which breaks down the terms of the mortgage, including the interest rate and fees, so that you can make an apples-to-apples comparison between offers.

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 Experience Counts…

I'm a professional sales associate with more than 15+ years experience in real estate, specializing in residential property sales. I have the experience, knowledge, and kind of caring attitude to help you reach your real estate goals and to develop a sound financial future.

I believe that buying and selling real estate should be a smooth and pleasant experience. That's why it's important to hire an experienced professional. Because of the caring way I conduct business and the integrity that goes along with being an experienced professional, time and again past clients refer their friends and family.

The service is simple. What are your expectations and particular goals? I help sellers obtain premium prices and I find homes for buyers in their area of choice and price range. By educating clients through each phase of the selling or buying process, buyers and sellers alike are confident that they have made a sound decision.

I have the ability to create an unique, personalized marketing campaign for each of my listings. As a result, homes I list are exposed to the widest audience of potential buyers.

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Not only do I handle negotiations with the utmost professionalism, but most of my clients become personal friends. Having high standards of conduct has earned me a reputation as both a REALTOR® who cares, and one who is resourceful in finding facts.

A Little About Me ...

I am a proven top achiever, attested to by my many satisfied local clients. I do all the necessary homework and follow up with all the details to prove a lasting commitment of service to my clients.

Education has prepared me to handle all types of residential property transactions. No home is too big or too small. I strive to go above and beyond my clients' expectations in service and insist on being straight-forward with everyone.

"Treat other people in the way you'd want to be treated.” - Kimberly Bryan 

Just because you and the sellers have agreed on a price doesn’t mean it’s a done deal—your lender needs to be on board, too. After all, it’s the lender’s real estate investment as well. To get a mortgage, you’ll need a home appraisal because the home serves as collateral for your lender. If for some reason you end up unable to make your mortgage payments, the lender will have to foreclose on your home, then sell the property to recoup its costs. So your mortgage lender will have to know the value of your home before handing over that large chunk of change.

While the home appraisal process is somewhat similar to getting comps—as you did to determine a fair price—the appraiser delves in deeper to determine the home’s exact value.

An appraiser will investigate the condition, the square footage, location, and any additions or renovations. From there, he or she will appraise the home and determine its value.

An appraiser is trained to be unbiased, says Adam Wiener, founder of Aladdin Appraisal in Auburndale, MA.

“I don’t care what anybody wants the home to be worth,” he says. “As an appraiser, I’ll give you the answer. You may not like it, but it’s the answer.”

Off-site, the appraiser may also evaluate the current real estate market in the neighborhood to help determine the value of the property.

Usually, the lender or financing organization will hire the appraiser. Because it’s in the best interest of the lender to get a good home appraisal, the lender will have a list of reputable pros to appraise the home.

Whoever takes out the mortgage pays for the home appraisal, unless the contract specifies otherwise. Then the buyer pays the fee in the closing costs. If a seller is motivated, he may pay for the home appraisal himself to back his asking price, which benefits the buyer by reducing closing costs.

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