I think I'm ready to buy...where do I start?

The thought of starting the real estate process can be very daunting...both exciting and scary at the same time. The fact that you're even looking at this is a sign you are off to a good start, gathering information. People often begin by searching for online information, looking in real estate magazines and local newspapers and going to open houses to start getting a feel for the market.

Once the whole idea of buying or selling becomes more 'real' it's time to put together your team of professionals to help you through the process. The two key players essential from the beginning are your real estate agent and your loan officer.

1. Find a real estate agent who's simpatico. Homebuying is not only a big financial commitment, but also an emotional one. It's critical you choose someone who is both skilled and a good fit with you personally.
2. Find a loan officer who can advise...and deliver on time. While rates and fees are obvious places to start, don't overlook the importance of wise counsel and the assurance that the funds will be there to close on time.

Sounds easy enough, but how do you go about finding these professionals? It's critical you work with someone you can trust, so people often start by asking trusted friends and family for referrals...be sure to ask about their experience to see if it might be a good fit for you.

Here are some other ways people 'shop' for real estate agents or loan officers...

1. Visit with agents at open houses
2. Check out websites
3. Look in the newspaper or real estate magazines
4. Attend a seminar

You can start with either a real estate agent or a loan officer. Once you have found one you feel comfortable with, they can usually refer you to a trusted colleague to complete your team.

Questions? Good/bad experiences? Share your comments....