Sign up to receive Leigh Upchurch Moore’s email newsletters and be the first to learn about new and upcoming listings, open houses, price changes, exclusive events, market reports, and more.
Home Buying Process
The first step to buying your new home is to save for the down payment. In most cases, lenders require at least twenty percent down. Once you’ve saved up enough you’re ready for the pre-qualification process, which is when a mortgage company asks questions about your finances, including debt and assets. Based on the interview, which is usually done over the phone, an estimate of how much you can afford is given. Access our mortgage calculator for a quick preview of what you can expect to pay. Pre-approval is yet another option that is available. It is more invasive and typically involves an appointment to go over your credit and finances. The result of the pre-approval process is the good faith estimate (GFE). GFEs are good to have to negotiate for a great interest rate and reduced closing costs. Once you know how much you can afford in terms of a house, it is time to look at the details of where to live.
Find Your New Home
You should visit potential locations keeping in mind your family’s budget, lifestyle and commute. The type of home that a person prefers is another factor to take into consideration when determining where to live. Things to consider include buying a new home versus a resale home. Leigh Upchurch Moore understands the Charlotte real estate market and will lead you to the homes that you want to see and are best for you and your families needs. As a result this will save you time and frustration. Leigh is also someone who listens and has no problem answering any questions that are asked of her. She will be there to make the offer, arrange for a home inspection, obtain homeowner’s insurance and verify all the paperwork is correct and ready in time for closing.
Charlotte Home Buying Guide
As your Realtor, Leigh offers a wide variety of home buying resources. Depending on Leigh as your advocate through the home buying process means you have access to a large network of people you will need, such as attorneys, inspectors, home repair specialists, mortgage brokers and insurance agents. Being familiar with the neighborhoods, schools and future growth plans for the city also enables Leigh to navigate you towards the community that is just right for you.