We Specialize In These Northeastern Ohio Area Communities

Mentor - Richfield - Chardon - Kirtland - Chagrin - Madison - Willowick
Thompson - Eastlake - Cleveland - Beachwood - Willoughby - Painesville

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How to Determine your Purchasing Power


Looking to buy or sell a home in Northeastern Ohio? Click here to perform a full home search, or if you're thinking of selling your home, click here for a FREE Home Price Evaluation so you know what buyers will pay for your home in today's market. You may also call us at (440) 974-0404 for a FREE home buying or selling consultation to answer any of your real estate questions. 

Purchasing a home is a big deal. It's one of the largest investments you will make and you want to make sure you are doing everything correctly so your transaction goes as smoothly as possible. We want all of you to accomplish this feat, so we will be sharing with you today the 1st 5 steps to take when you decide to purchase a home. These 5 factors will greatly affect your buying power and what kind of loan you will qualify for when purchasing a home. 

1. Get Pre-Qualified
 This is always the first step when you purchase a new home. Go talk to your lender and get this step squared away first. If you need to get in touch with a lender, we have a list of preferred lenders that we know and trust to put you on the right path.

2. Credit Score
 Before you go in to talk to the lender, be sure your credit score is in order. This is the first thing that lenders will pull. They take 3 scores from the 3 different credit bureaus, and usually take the middle score. Usually a credit score of 620 or higher will get you qualified to purchase a home.

3. Income and Job
 Next, lender will verify that you have solid employment and look at how long you have been employed with your current company. They also look at how much money you make and determine whether it will be you alone or whether a partner or spouse will be on the loan with you. If so, they will take their income and job into effect as well.

4. Debt-to-Income Ratio
 This is a key component in determining your purchasing power. If you have a high income, but high debt, you may not qualify. This ratio is determined by your annual income divided by your expenses.

5. Down Payment
 This is an essential factor. Setting a lot of money aside is a great way to increase your buying power. If, however, you can't put a lot of money down, there are a lot of programs out there for you that don't require you to put as much down, even if you're a second or third time home buyer.

How to Improve Your Credit Score



Looking to buy or sell a home in Northeastern Ohio? Click here to perform a full home search, or if you're thinking of selling your home, click here for a FREE Home Price Evaluation so you know what buyers will pay for your home in today's market. You may also call us at (440) 974-0404 for a FREE home buying or selling consultation to answer any of your real estate questions. 

Welcome back to our video blog. Today we are going to talk about how to improve your credit score so you can buy a home. Your credit score is an essential piece ind determining your buying power. Today we are going to talk about the 3 main components you have to look at to increase your credit score. Here are the 3 steps to improving your score

1. Know your credit score
There are a lot of different options out there for you to determine what your credit score is. There are 3 different bureaus that determine your score. You can get your scores directly from the Transunion, Equifax, and Experion bureaus, which you will have to pay for, or you can get them from any number of free credit score sites. 

2. Get your score up
In order to do this, you have to limit your debt and make sure you are managing your credit wisely. Making payments on time and reducing your amount of debt will help you out immensely.

3. Get some help
For this step, you need to get out there and talk to someone who can help you out. A credit repair company is one option, or you can give us a call and we can get you in touch with some people that can help you out.

Thanks for taking the time to check out our blog today. If you have any questions about improving your credit score or anything else, please don't hesitate to contact us. We would love to help you out.

Improve Your Real Estate Career With This Amazing Opportunity



Looking to buy or sell a home in Northeastern Ohio? Click here to perform a full home search, or if you're thinking of selling your home, click here for a FREE Home Price Evaluation so you know what buyers will pay for your home in today's market. You may also call us at (440) 974-0404 for a FREE home buying or selling consultation to answer any of your real estate questions. 

Do you feel like your talents as a real estate agent are being underutilized? How much better do you think you could perform if you were negotiating 30-40 offers per week?  How about if you went on 10-15 listing presentations every week as well? I have an opportunity for you to do exactly this.

I am currently hiring a full-time licensed Realtor as an apprentice to work side by side with me to teach you the ins and outs of this business. This isn't your typical part-time apprenticeship. It's a full time position with salary and opportunities for bonuses

As an apprentice your responsibilities will include going on listing presentations with me and on my behalf. You will also be negotiating and writing offers for my clients, as well as prospecting and doing lead generations every  day. I'm not looking for a typical agent, however. The person who gets this job will need to have a lot of ambition. Somebody that is organized and carries themselves like a true professional.

This apprenticeship will last anywhere between 6 and 12 months, after which I will transition you to a full time sales position within my team. This is an opportunity you will not want to miss out on. The last two people we had in this position did between 4 and 5 million dollars in sales their first year!

If you are looking to take your career to the next level, give me a call at  (440)974-0404. Don't miss out on this incredible opportunity!