Testimonials

"Ray handled our property as a rental first, the tenants were interested in buying. Ray helped both sides come to an agreement on terms and helped us every step of the way. He kept us informed which to me is critical! It is a pet peeve of mine when realtors ignore you or only call when there is a problem. Ray was never 'that' realtor! It was simple and unstressful, how all transactions should be! One word AWESOME! Ray was the perfect person for the job, after I spoke with him I was sold!" Dawn Wilcox
"It was an excellent selection Mr Armstrong was the best Agent we have ever dealt with (in12 moves). He is very professional, knowledgeable, personable. He took everything and followed through and kept us completely informed. To sum it up, I just can't say enough good things about dealing with him. He is the best of the best. The type of Agent you could ever hope to have the pleasure to deal with in real estate. It was a very easy transition from listing to closing. We listed on Thursday and under contract on Sunday." Ken and Darlene Collette
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Build a Plan of Action and Get Ready

Buying a home will probably rank as one of the biggest personal investments one can make. Being organized and in control will contribute significantly to getting the best home deal possible with the least amount of stress. It’s important to anticipate the steps required to successfully achieve your housing goal and to build a plan of action that gets you there.

Before you can build a plan of action, take the time to lay the groundwork for your decision-making process.

First, ask yourself how much you can afford to pay for a home. If you’re not sure on the price range, find a lender and get pre-approved. Pre-approval will let you know how much you can afford, allowing you to look for homes in your price range. Getting pre-approved also helps you to alleviate some of the anxieties that come with home buying. You know exactly what you qualify for and at what rate, you know how large your monthly mortgage payments will be, and you know how much you will have for a down payment. Once you are pre-approved, you avoid the frustration of finding homes that you think are perfect, but are not in your price range.

Second, ask yourself where you want to live and what the best location for you and/or your family is. Things to consider:

  • convenience for all family members
  • proximity to work, school
  • crime rate of neighborhood
  • local transportation
  • types of homes in neighborhood, for example condos, town homes, co-ops, newly constructed homes etc.
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