57% of non-owners believe it would be at least somewhat difficult to become a homeowner. Many first-time buyers share common concerns about the home buying process. Drawing from my background in customer service and psychology, I understand these fears and have successfully guided many clients through them.

Assessing Readiness

When prospective buyers come to me for an initial consultation, I do a brief interview to assess their readiness. We discuss the process step by step, talk about the minimum requirements, and determine if the individual is ready for the next step: speaking to a lender and getting a pre-approval.

Common Concerns

Three main issues often get in the way of most buyers mentally:

1. Credit concerns

2. Fear of a large down payment

3. Assumptions about the difficulty of the process

Credit is a major determining factor if someone will be able to obtain a mortgage loan. However, many military families in Maryland may already be in a favorable position due to steady employment and benefits.

Credit and Down Payment

Credit repair is unique to the individual, and if you're not pre-approved, a lender will counsel you on the next steps to improve your score. Many first-time home buyers purchase their dream home with little to no money down, especially through VA loans, which cover the down payment. As a proud member of the Junior League of Baltimore, I am dedicated to serving my community and providing guidance to military families on navigating these financial aspects.

Trusting the Process

The home buying process has many steps and tasks that can seem overwhelming. With the right team, however, these steps become manageable. My experience in real estate and community involvement ensures that you have a trustworthy guide through every stage of the process.

Conclusion

As a REALTOR®, my first priority is to provide top-notch service to my clients. Drawing from my own experience as a homeowner, I recognize and value the trust my clients place in me. Outside of real estate, I regularly devote my time to service throughout the metro area and am a proud member of various community organizations.

If you are a military family in Maryland, don't let the thought of buying a home scare you. Educate yourself, vet the real estate professionals you hire, budget, plan, and be patient. I promise you will make it to the housewarming! Happy home buying!