Buying your home

Diligence, savvy, strong work ethic. These are what you will get when you allow us to help you find your next home. We know how to find the home that you want no matter the circumstance. We are expert negotiators, have a keen eye for all the details and partnerships with people that ensure a solid home and a smooth transaction.

Let us go to work for you and find the right sized home today!

Why let us help you buy?

Hire an Expert

Real Estate isn't all about contracts and signs. It’s about knowing homes; what works and what doesn't when selling. It’s knowing what the market is doing and why. It’s knowing the answers before the questions are asked or knowing where to find the answers quickly. Most importantly, it’s knowing and understanding people. We excel in all these areas and we bring this expertise to you as your Listing Brokerage. You choose experts for other services in your life for healthcare or legal advice, so don't settle for less than a full-time, experienced expert on what is most likely THE largest financial investment in your life!

Tips for getting started

A Useful Checklist for Homebuyers. The things listed below are just some of the guidelines that you may want to consider.

Download Our Checklists

Preparing to Buy a Home Checklist
Offer-to-Close Checklist

Money Matters

  • The lender will base their assumptions on the amount you qualify for, not on the amount you are comfortable spending. Don't wait for the lender to find out how much you can afford. Do your homework. Consider how much you are willing to spend. Remember, this is a lifestyle decision. Think about other expenses such as travel, education, and maintenance reserves.

  • When you are contemplating how much of a loan you can afford, make provisions for insurance, taxes, homeowner association dues and other unanticipated costs you may incur.

  • The best strategy is to actually calculate the taxes and other expenses rather than "ballparking". Avoid surprises. Your real estate agent will help you find the property that fits the price you are willing to pay.

Your Realtor is There to Help

Ask about:

  • Types of mortgages

  • Risks and benefits of different types of financing

  • Types of homes and the best match for you

  • Location, features and price range

  • Tax issues and responsibilities of a homeowner

Even if this is your first or second time buying a home, you still need to ask as much questions as you can. The options available to you when you first bought a home may not be the same this time.

Check Your Credit

Request a copy of your credit report as soon as possible and look out for:

  • Too many open credit card accounts

  • Unclosed accounts you thought you had closed

  • Alleged non-payments and inaccuracies

Make sure you have time to prepare before a lender previews your credit history. Allow at least a week to close dormant or unwanted accounts and clear up discrepancies. According to the US Public Research Interest Group (PIRG), 79% of credit reports contain serious errors or mistakes. Make sure you are in the 21% that does not have the errors!

Gather & Organize Valuable Documents

Accumulate all the necessary information you will need when you file your loan application. Ask your real estate agent or mortgage lender for a complete checklist so that you are fully prepared. Some of these documents include:

  • Income tax returns and W2's for the past 2 years

  • Pay stubs from employer

  • Bank statements for the last 2 years

  • An updated and accurate credit report

Get Pre-Approved (not Pre-Qualified)

  • Pre-approval gives you the security of shopping for a home that you can honestly afford

  • Pre-approval tells the seller that you are serious, ready to buy, and solidly financed

  • In a competitive bidding situation, pre-approval can be your advantage over other offers that are not pre-approved

Avoid Pre-Mortgage Pitfalls

Do not do anything that can negatively impact your ability to qualify for a mortgage loan. Until the time your loan closes, avoid:

  • Changing jobs

  • Switching banks

  • Moving your money around

  • Making major purchases

“Need to Have” & “Nice to Have”

Build your "need to have" and "nice to have" list. Every buyer has their "perfect" home in mind, but let's face it, you are not going to get everything. It's good to have a list of two things. One side will have all the things that the home must definitely have or what we call the decision-making factors and the other side will have the bonuses. Your list may look similar to the one below.

Need to Have:

  • Size and space

  • Number of bedrooms and bathrooms

  • Fireplace

  • Wooden floors

  • School district

Nice to Have:

  • Pool

  • Sun Deck

  • Garden

  • Short commute to work

  • Vicinity to shopping outlets

All information in this report is deemed reliable, but not guaranteed.

Ask me how to get a FREE Home Warranty

Work with me and when we find the right home for you, I will buy you a home warranty. Call to find out how!

  • Brad & Karen – Downsizing/Empty Nesters

    “I'd use Jim again in a minute. Jim is very knowledgeable about current market trends and tips for staging. He was able to provide tips on current paint colors and upgrades that would be the most cost effective to get the most out of your house.“

  • Katie & Ben – First Time Home Buyers

    “Jim did an amazing job of making the process of buying our first home a success. He was easy to communicate with and he responded to us promptly. I would highly recommend Jim to anyone that is a first time homebuyer or to anyone that is dealing with a VA loan!”

  • Bruce & Glitza – Room for a Growing Family

    “My wife and I worked with Jim Davich to locate and purchase our new home. He took the time to explain the entire buying process. He is a good teacher. He listened to our interests and never pushed us into looking at properties we did not like. He made himself available in a hot market where being first through the door was important. He guided us through multiple offers, backed us out of one purchase agreement due to underlying damages and helped negotiate the purchase of our new home! We are very pleased with his service In addition, Jim is a caring person who loves giving back to his community.”