With the right guidance, the process becomes smooth, clear, and stress-free. Let me walk you through every step with confidence and clarity.
Buying a home is a big moment in life and it should feel exciting, not overwhelming. When you’re working with the right agent, the journey becomes enjoyable, organized, and empowering. I’m here to make sure you understand your options, avoid confusion, and move forward with confidence at every step.
Choosing the right loan makes a huge difference in your monthly payments, down payment, and long-term financial comfort. Here are the four most common loan types for buyers.
An FHA loan is a type of mortgage insured by the Federal Housing Administration (FHA), designed to make homeownership more accessible—especially for first-time buyers or borrowers with lower credit scores or smaller down payments.
Learn MoreA conventional loan is a type of mortgage not insured or guaranteed by the federal government. Instead, it’s issued by private lenders—such as banks, credit unions, or mortgage companies—and typically follows guidelines set by Fannie Mae and Freddie Mac, the two major government-sponsored enterprises (GSEs).
Learn MoreA VA loan is a mortgage option backed by the U.S. Department of Veterans Affairs and offered exclusively to eligible military service members, veterans, and some surviving spouses. It’s known for offering some of the most favorable terms of any home loan program.
Learn More(For Investors)
A hard money loan is a short-term, asset-based loan commonly used by real estate investors to acquire, renovate, or quickly reposition a property. These loans are funded by private lenders or investor groups, not traditional banks, and are designed to prioritize the value of the property (the collateral) rather than the borrower’s income or credit profile.
Learn MoreBuying a home becomes much easier when you understand the process. Here are the key stages you’ll go through:
1
This helps you understand what you can afford and shows sellers you’re a serious buyer. A lender reviews your income, credit history, and financial details to estimate your buying power.
2
Closing costs include lender fees, taxes, insurance, appraisal fees, and other transaction expenses. Knowing these upfront helps you plan your budget more accurately.
3
Once you choose a property, a licensed inspector evaluates the home’s condition things like structure, plumbing, electrical, roofing, and more. This protects you from unexpected issues.
4
Your lender orders an independent appraisal to determine the property’s fair market value.This ensures you’re not overpaying and helps finalize your financing.
5
When you find the right home, we’ll work together to craft a strong offer and negotiate the best terms for you.
6
After final approvals and paperwork, you sign the closing documents and the home becomes officially yours.
Whether you’re buying your first home or upgrading to your next chapter, I’m here to guide you every step of the way.
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