If you are looking to buy a home in 2017,
Contact me for a complimentary Total Cost Analysis Report
and a Pre-Approval letter for your home purchase.
Here are Three Ways to Get Prepared for Home Ownership in 2017!
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You are such an excellent residential mortgage advisor and resource!
"I am a Certified Mortgage Planning Specialist and a member of CMPS Institute.
As a Mortgage Planner I will share with you home loan planning strategies that can help you to make sound decisions for home buying or refinancing. I joined American Nationwide Mortgage Company (ANMC) as a Mortgage Banker on April of 2012, bringing 12 years of experience in Mortgage Origination business. Prior to that, I worked as an IT Consultant for financial securities companies on Wall street for 18 years. I am a proud member of ANMC family at the Westport Branch serving all of Connecticut. With a great team of processors and underwriters I make sure that the customer is fully satisfied and well taken care of in their home financing transaction from start to finish. Working with me, you will have the convenience of a truly dedicated loan specialist who is committed to get you the lowest mortgage rates, best programs and delivering timely closings." |
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Why is Higgins Group a perfect compliment for what you do?
"I am a proud associate of Higgins Group’s flagship Fairfield office and as a Realtor® serving Fairfield County, Connecticut.
Originally from Istanbul Turkey, I made New York City my home town in the early 80’s. In the new millennium, my wife and I moved to Darien, CT where we lived for five years and subsequently for the past ten years, we have been living in Westport, CT with our two kids. With over a decade of marketing and sales experience in mortgage industry as a licensed loan officer in Connecticut, I am well versed in all phases of Real Estate transactions. I love the real estate business and I am passionate about serving buyers and sellers, as I myself once was a first time home buyer, than a seller and then a home buyer again. I follow the success principles of dedicated customer service, working with my clients as a team and positioning them for a successful real estate transaction. Call me for a consultation. I’ll be happy to listen to your real estate needs and offer you solutions leveraging the resources at my arsenal as a dedicated Real Estate Professional." |
To receive a complimentary Total Cost Analysis Report for your home purchase,
contact me: [email protected]
contact me: [email protected]
Five Pitfalls to Avoid When Buying a Home
Here are five of the most common pitfalls associated with buying a home:
Your mortgage is most likely going to be your single largest debt;
and your home is most likely going to be your single largest investment.
That’s why it's important to work with a qualified mortgage professional when considering your options.
Contact me so we can get started!
Here are five of the most common pitfalls associated with buying a home:
- House shopping before getting a solid mortgage approval: low housing inventory in many markets means that you'll be competing with multiple offers when you find a home that you like. Getting a solid mortgage approval BEFORE you start house shopping allows you to make a stronger offer when you find a home you like. This places you in a much better negotiating position, and it could possibly save your deal.
- Not considering the costs of sale (8% +): when you sell your house in the future, you will most likely need to sell the house for at least 8% - 10% more than what you paid for it just to break even and cover the real estate commissions and transfer taxes on the sale. If your house goes up in value by the long term average of 3% per year, you would likely break even in 2-3 years. That's why it's important to make sure that buying this home is part of a longer-term strategy.
- Overlooking the Costs of Improvements, Utilities & Maintenance: have you considered the costs of improvements, utilities and ongoing maintenance expenses? That's why it's important to:
- Get your home properly inspected before the closing
- Investigate the cost of utilities, and make sure to budget for them
- Budget 1%-2% of the home's value for annual maintenance expenses
- Choosing the wrong down payment strategy: a study was recently conducted by the Federal Reserve showing that a home buyer's down payment strategy is eight times more impactful on housing affordability than the mortgage interest rate. That's why it's important to consider your down payment options carefully.
- Shopping for a mortgage vs. shopping for the right mortgage professional: as you can see, the right mortgage professional can help you consider things that you may otherwise overlook during the homebuying process.
Your mortgage is most likely going to be your single largest debt;
and your home is most likely going to be your single largest investment.
That’s why it's important to work with a qualified mortgage professional when considering your options.
Contact me so we can get started!
