Whether this is your first home or your last, it's probably the single most important and expensive purchase you'll ever make. It is important that you surround yourself with industry professionals beginning with a trusted real estate agent, who will help you navigate step by step the home-buying process.
I welcome the opportunity to help you realize your real estate goals through personalized attention, and share with you over 25+ years of real estate expertise and resources. You won't feel alone!
Before heading out to find a house, it is of the utmost importance that we have an honest conversation regarding your wants and needs, your budget and a realistic goal to meet.
It is absolutely important that you obtain a PRE-APPROVAL. Without a pre-approval, you and I won't know if you are financially able to follow through with a purchase and a price range to search our efforts towards. It is also required by most sellers to determine whether or not your offer should be considered over another buyer's. Remember, the more prepared you are when asked to present your offer and terms, the better position you will be in to have your offer accepted.
If you are not sure where to begin, how to locate the lenders, mortgage brokers, attorneys, inspectors and the list of industry professionals that will help you reach your dream of owning a home, don't worry, just email, text or call me and I will be more than happy to share my resources with you. As always, please be sure to contact several professionals in order to choose the best fit for you.
Upon request, I will set up a system that will email you any and all new listings placed on the market and those that have undergone any significant changes such as price. You no longer need to visit the multitude of sites such as Zillow as those sites obtain their information from us, the agents who are listing the properties. What most buyers don't realize, this information from these third-party sites is limited as it is not a service whereas the information was obtained by entering the homes.
If you are interested in viewing properties, you just simply call, text, or email me the MLS number along with any questions you may have, and I will do the rest. Please feel free to visit my site at OneKeyMLS by clicking the button below or at the menu go to MLS listings.
Please remember to register on this site or email me at [email protected]
I look forward to helping you realize your dreams of owning your home sweet home!
With warmest regards,
Lovelee Michelle Aparicio-Vetri
Licensed Associate Broker Since 1999
Direct: (516) 695-7534
If you haven’t experienced it before, the home loan process can feel overwhelming, but I will help you stay informed throughout the process, from pre-approval to closing. The first thing to do is consult with a mortgage specialist (or two). If you don’t already have someone in mind, I partner with some of the best lenders in the industry, and I’d be happy to introduce you, so you’ll be taken care of.
When you find property you’re ready to buy, your lender will help you complete a full mortgage loan application, and talk you through the various fees and down payment options. The application is submitted to processing, where the documents are reviewed and appraisals and title examinations are ordered. Then the loan is sent to an underwriter, who reviews and approves the entire loan if it meets compliance. Get connected with our lender today!
Please let them know you were referred by me. It is always advisable to speak with multiple mortgage brokers and banks before you make your decision.
Don’t be surprised if you’re asked for additional documentation or clarification throughout the process. Once your loan is approved, don’t forget to set up homeowners insurance. Your documents will be sent to the title company, where you’ll sign for the new home and pay any remaining costs. Then the loan is recorded and you get the keys.
Congratulations, happy homeowner!
Know Your Mortgage Payment Based on the home's sale price, the term of the loan, buyer's down payment percentage, and the loan's interest rate, this calculator can help estimate what you'll need to pay out monthly for your new home. This calculator factors in PMI (Private Mortgage Insurance) for loans with less than a 20% down payment, as well as town property taxes and its effect on the total monthly mortgage payment. In order to determine the amount of home you can afford a lender will use your debt-to-income ratio to determine the percentage of your pre-tax income you spend on debt. Your debt ratio will include monthly housing costs, car payments, credit cards, student loans, and any other installment debt. If you take on more debt before buying a home it will have an impact on the amount of the loan that the lender will finance.
Find Your Dream Home
Lovelee's goal is to help you realize your real estate dreams with optimum results. Call her, and let Lovelee give you some guidance on how to prepare your home for sale, and how to best market your home to receive the proper exposure and attract qualified buyers.