For Buyers
Buying a home is an exciting time in one's life. Making the smart move of choosing a 
REALTOR® is your first step to ensuring that your new home and community meets your needs. My services and experience range from financial aid to helping you find the home that best suits you and your family. For your convenience, I also provide listings by email. I pride myself on repeat business and hope you'll come to understand why.
If you are a first time home buyer, it would be highly advisable to work only with a Full Time Realtor. While a part time Realtor may be a good friend or seem really nice, they generally lack the experience and education that a full time Realtor has. This is probably the largest single purchase you will make. Do you want to trust that to someone who just dabbles in the industry. If you were looking for a surgeon to operate on you, you would probably not be looking for someone that just practiced medicine "part time".
I deal with VA REPOS, repossed homes and have access to the Multiple Listing Services (MLS) that provides the information on any properties on the market in the Greater Fort Hood area, whether it be Killeen, Copperas Cove, Kempner, Harker Heights, Salado, or Nolanville.
I specialize in "First Time Home Buyers." I will walk you through the process, step by step.
Are you a "Civil Servant" (fire fighter, police officer, ect.) or a teacher? There are government bonds for you available. I can make sure you get with a lender that will help you.
How I Can Help
Before you start looking
Closing Costs
- Assure that you see all the properties in the area that meet your criteria.
- Guide you through the entire home buying process, from finding homes to look at, to getting the best financing.
- Make sure you don't pay too much for your new home and help you avoid costly mistakes.
- Answer all of your questions about the local market area, including schools, neighborhoods, the local economy, and more.
Before You Start Looking For Your New Home:
- Check your credit rating. Straighten out any errors before its too late.
- Determine a comfortable monthly budget for your new purchase, including down payment and monthly payment.
- Find a loan program that meets your needs and get pre-qualified (preferably pre-approved).
- Choose a REALTOR® that you trust and who understands your needs.
- Determine what neighborhood best matches your needs.
- Identify important features you need your new home to have.
- Lender fees include charges for loan processing, underwriting, preparation and establishing an escrow account.
- Third-party fees include charges for insurance, title search, and other inspections such as termites.
- Government fees include deed recording and state & local mortgage taxes.
- Escrow and interest fees include homeowner's insurance, loan interest, real estate taxes, and occasionally private mortgage insurance.
Find out how much your closing costs could be.
