first time home buyers
We sell your home with innovative marketing strategies and for top dollar.
GET YOUR FINANCES "HOME-READY"
Before you start browsing listings, we’ll work together to ensure your financial foundation is solid:
- Check Your Credit Score: Latrice can help you understand how your score impacts your interest rates.
- Save for a Down Payment: While 20% is traditional, Latrice can introduce you to first-time programs allowing for as little as 3% or 3.5% down.
- Factor in Closing Costs: Plan for an additional
2-5% of the home's price for taxes, lender fees, and title insurance.
1. GET PRE-APPROVED
A pre-approval letter is your "golden ticket" in today's market. Latrice knows that in competitive areas like Rocklin or Folsom, having this letter ready shows sellers you are a serious, qualified buyer.
2. DEFINE YOUR "MUST-HAVES" VS. "NICE-TO-HAVES"
Latrice helps you find the neighborhood that matches your lifestyle:
Location: Are you looking for the charm of East Sacramento or the master-planned convenience of Natomas?
Home Style: Do you prefer a low-maintenance single-story home or a grand two-story contemporary?
Future Growth: Latrice can highlight areas like Elk Grove or Rancho Cordova that offer excellent long-term value.
3. HOUSE HUNTING & THE INSPECTION
Once Latrice helps you find "the one," she ensures you stay protected:
The Inspection: We’ll bring in professionals to check the foundation, roof, and HVAC systems.
The Appraisal: Latrice will coordinate with your lender to ensure the home's value matches your investment.
4. CLOSING THE DEAL
After the inspections are clear and the loan is approved, Latrice will walk you through the final paperwork. Once the deed is recorded—usually within 24 to 48 hours—the keys are officially yours!
Start your journey with latrice peay
Ready to find your place? Latrice is ready to help you narrow down the best neighborhoods based on your unique goals.
