First class experience from credit to the closing table
The process of buying, selling, or investing can be quite overwhelming, and mistakes can be costly. Mortgage loans and the many types are unfamiliar territory for many…. resulting in overall reluctance to get started. No worries! We’re here to assist in any phase of the journey. Whether you’re just getting started and have basic questions, need help accessing/understanding credit report/scores, or have already been preapproved and ready for next steps, Toney Realty Group can assist in all phases of the journey. What sets TRG apart is not only our great agency services, but the access to best loan options for buyers, investors, or current owners looking to refinance. 1 source for all of real estate needs is here. Our goal is to simplify the process by making sure you are armed with the information needed to make the best decisions. Transparency, communication, and integrity are our core values. We will walk you through the entire process to the closing table.
I’ve represented many buyers in multiple states as both the Realtor and/or the mortgage loan originator. This allows me to give more perspective throughout every step of the transaction on both sides of the transaction. Whether you’re looking for your first home, your dream home or an investment property, I’m committed to being the ultimate resource every step of the process and providing a first-class experience. When facing the tough decision that occurs during the process, you deserve to have all of the necessary information and the very best advice needed in order to make the most informed decisions, both of which I can provide. Working with the right professional is extremely important and will help minimize any stress throughout the process. As your Realtor, you can count on me to help you make an educated and informed decision in all markets or transaction types. Although exciting, this process can be very time consuming, even stressful without proper strategy and direction. Assessing your credit and getting prepared to buy, do Pre-approvals, preferred lenders, Down Payment assistance and Loan programs, Inspections, Market Value, Offer & Negotiations, Inspections and Appraisals are all areas that I’ll be able to offer guidance. I will walk you through the entire process.
My comprehensive, high-quality services can save you time and money, as well as make the experience more enjoyable and less stressful. Feel free to download the free Homebuyer guide for a glimpse of what the process looks like and the perspective I’m able to offer.
THINGS TO KNOW BEFORE YOU BUY A HOME
The best source to check your fico score is the link(s) below. This allows you to know what your credit is without hard inquiry… I highly advise knowing your score first before attempting to get preapproved and having a Lender pull your credit score. Please see the discounted options below for myfico.com. FICO 8, 9 and 10 are the most popular… different companies may use different FICO models and/or bureaus to asses risk. Insurance companies, auto lenders, credit card venders, utility companies, etc. may all use different scoring models, which will result in different outcomes (approval/denials). You will be able to see all of your fico scores as well as your credit report and profile which will allow you to update and monitor information from each bureau accordingly.
Myfico