Do You Have A Dream Home? I Can Help You Find It!
|30-Year FHA Rate||3.33%|
|30-Year Fixed Jumbo Rate||3.60%|
|15-Year Fixed Jumbo Rate||3.02%|
|7/1 ARM Jumbo Rate||3.42%|
|30-Year Fixed Rate||3.54%|
|20-Year Fixed Rate||3.50%|
|15-Year Fixed Rate||2.91%|
|10/1 ARM Rate||3.61%|
|* Conforming FNMA Loan Amount. Rates may include points.|
Information updated: 7/09/2020
Buying a Home
Buying the home of your dreams is one of the most important decisions of your life and I am here to help you every step of the way! I am committed to fulfilling your needs with the highest level of professionalism, expertise and service. Having sold over 20 million dollars of real estate since 2006, my experience in sales will help make your next move an easy process.
Prior to becoming a Realtor, I was a mortgage loan originator for 15 years and a property manager. With my knowledge and experience, I can ensure a smooth home buying experience whether you are buying your first home, investment property, commercial property or moving into a bigger home.
Nothing is more exciting to me than helping folks find the home of their dreams! You can count on me to always do what's in your best interest. I pride myself on being honest, trustworthy, and knowledgeable in the real estate market. I know how important it is to find your dream home for the best price and/or get the best offer for your property. Therefore, I will make it my responsibility to help you achieve those goals.
Whether you are an experienced investor or a first time buyer, I can help you find the perfect property and guide you all the way to closing.
Please feel free to browse my website for all the tools you need to get started.
Call me today to start preparing for the purchase of your dream home!
Buying or Selling Out of Town or Out of State?
If you are buying or selling outside of Bloomington/Normal and McLean County I can easily assist you with the process!! I have a network of agents I can utilize to match you up with one that best suits YOU! So, if you aren't sure where to start or how to select an agent, call, email or text me and I will do the searching for you. This service does not cost you anything. In fact, if you decide to buy or sell with the agent I help you select THEY will pay me a referral fee for my time, out of their regular commission, NOT you! It's a win-win situation!
Shelly's Listing Options
Full Service Listing
Are you thinking about selling your home, but want the convenience and experience of a Realtor® to help you set the price, coordinate and prepare the publicity for your property, host open houses, advertise your home AND help you with negotiations? I can help!! I will hold your hand and assist you every step of the way-start to finish!!
Negotiations are my specialty!!
For more details email me at email@example.com or text/call me at
Resources for Buyers
- Check Your Credit
Your credit is crucial when applying for a loan; the better your score, the lower your interest rates will be. Be sure to check all three major credit reporting companies: Experian, Equifax, and TransUnion as the information in each report may vary slightly. Make sure you make copies of your credit report as well, and check your score well in advance of applying for loans.
- Find a Lender
Most people need to take out a loan when buying a home, and you'll want to be prepared to make an offer when you find that perfect home. It's important to be sure that you're approved for a loan before you start looking at homes so you don't miss out on any opportunities. If you need help finding a lender, I can recommend trusted lenders near you.
- Price Range
Calculate what's realistic for you before considering different areas to live in to be sure things stay within your budget. Once you know your range, I can help you make the most out of your money.
Finding the right home can be time consuming, but it's important to consider everything before you decide. What's the commute like to work? If you have kids, what are the schools like in the area? How many bedrooms and bathrooms will you need? Do you prefer or newer or older styled home? All are important factors to take into account during the home finding process.
I am dedicated to helping you through the entire home buying process. Once we find that perfect home, I will prepare a written offer. With my experience in the market, I can help you arrive at an offer that both fits your budget and has the best chance of being accepted.
Buyer Wish List
Once you determine your maximum mortgage payment and price range that is comfortable for you and your family, it is helpful to make a wish list of needs vs. wants in a new home. What can't you live without? What can you live without? Here are a few categories that will help you start planning your dream home: Neighborhood/subdivision/area of town(s), # of bedrooms, # of bathrooms, style of home (ranch, 2 story, bi-level, try-level), kitchen specifics, floor plan, flooring and appliance preferences, yard size, fence or no fence, garage. If you have other specific needs, add them to your list!
The 80% RuleKeep in mind that it is very rare for anyone in ANY price range to find 100% of what they want in a house. I always tell my clients that if they can find a home that matches 80% of what they want they should seriously consider making an offer. The house you want to "sleep on" tonight could be the one that another buyer is ready to make an offer on today!! Looking for the perfect house with 100% of everything you want is kind of like looking for a unicorn. You could look for years and not find it. Don't be afraid to be decisive!
- Once Your Offer is Accepted
After your offer is accepted, you'll have a grace period to have the house professionally inspected and request repairs or counter offer if the situation arises. Once this step is complete, we will verify the terms and conditions of your loan, and assist you in signing your papers. I'm here to assist you with any questions you may have during the process.
- Moving Time!
Now that you've found your perfect home it's time to make moving arrangements. If you plan on utilizing a professional moving company, I can recommend reputable, local movers. Don't forget to fill out your change of address forms and inform the utility company of your move! I can provide names and phone numbers for your convenience!
Resources for Sellers
- Why Hire an Agent?
Studies show that sellers who use a real estate agent generally get a better price than those who choose to sell the home themselves. As an agent it is my job to stay up to date on the latest market trends and fluctuations. Utilizing an agent means no surprises during the selling process, as you will have latest information at critical junctures in the process. Let me put my experience to work for you to ensure you get the best price for your home!
- Before Your Home is Listed
Prior to listing your home, you'll want to ensure everything is in good showing condition before buyers start to tour the home. Here are some important things to consider:
- Start Packing
Now is the time to put things in storage, clean out the basement and garage and start preparing to show your home. Remove any family photos or personal items. Remember, you want buyers to see themselves in your home!
- Spot Paint
Touch up both interior and exterior paint.
- Update Carpet
Clean or replace carpet in areas with heavy wear.
- Extra Cleaning
Keep the interior and exterior clean and odor free.
- Curb Appeal
Trim any overgrown bushes, mow the lawn and keep it free of leaves or snow. Make sure the front of the home is clean and appealing. You want to make a strong first impression!
- Find Potential Problems Early
Once you've completed these steps you may want to hire someone to perform a pre-listing inspection. Buyers will be hiring professional inspectors too; this is your chance to find and address problems before it's time to sell.
- Start Packing
- Professional Staging
Consider hiring a professional stager to help give buyers the appeal they're looking for. Call me for a local stager at reasonable prices!
- During the Listing Period
You'll need to plan to have something to do during the times potential buyers visit your home. If initial offers don't meet your expectations, don't dismiss them immediately. You may need to consider lowering your asking price if months go by with few or no offers. However, by working with your agent you will be able to arrive at a price that works for all parties.
Finding Your Dream Home
As a committed real estate professional, my job is to ensure you find the perfect home for your needs. Whether you're looking for that big backyard, or a quaint, cozy cottage, I can help you find it. My passion for this business grows every time I see the smiling faces of new homeowners, and my goal is to do the same for you!
Whether you're a serious buyer or just starting to look at properties, I'm here to assist you in every way I can. I am committed to assisting you through the process with enthusiasm, accountability, and reliability. Feel free to contact me with any questions you may have about the home buying process. Let's work together to find your dream home! You can start your search here: www.shellybteam.kwrealty.com