Why Davey Goosmann?
Davey Goosmann's award-winning expert agents serve clients all across North Texas, including Dallas, Fort Worth, Southlake, Lakewood, and The North. Davey Goosmann specializes in the sale of significant homes, high-rises, ranches, land, and commercial properties. The company’s connections, resources, and strategies bring the exceptional to you on your journey to a new home. No matter your definition of home, you couldn’t be in better hands.
Make It Yours
No one has your unique financial, property, and personal requirements. Therefore, you need good advice and smart strategies from a real estate agent with specialized expertise. These also include instances when you wish to purchase:
Your first or your next home, your dream home, a vacation home, a ranch, land, secondary investment properties, a commercial property, and property outside your state. Every agent at Davey Goosmann Realty is a professional, with the expertise, integrity, tools, and technology to help put you in the home of your dreams.
Define Your Goals, Needs & Budget
Secure Your Financing
It is important to evaluate your financial situation, confirm your budget, familiarize yourself with mortgage options, and secure preapproval from a lender. This will help you conduct your search with confidence and negotiate for your desired home successfully. Your Davey Goosmann Realty agent can connect you to qualified professionals to get your loan handled efficiently and effectively.
Establish Your Budget
As a general guideline, total monthly housing costs for your primary home — including mortgage payments, taxes, maintenance fees, insurance, interest charges and utilities — should not exceed about 28% of your gross monthly household income. Always consult a financial professional for specifics, tips and tools.
Confirm Your Down Payment
If your down payment amount is less than 20 percent of the total purchase price, you will need to purchase mortgage loan insurance that guarantees the debt against default. In most cases, this will be added to the mortgage loan.
Your Credit Is Important
Your credit report plays an important role in your mortgage approval process and in determining the interest rate and other loan terms that a lender offers you. Before contacting a potential lender, you may wish to confirm your credit rating, so that you have time to resolve any issues.
Get Pre Approved
In markets where there is a high demand for the type of home you wish to purchase, a written preapproval is essential — and could give you the competitive edge. For example, in a scenario where a seller receives two similar offers — one accompanied by a letter that confirms financing preapproval, and one not — the former offer is often considered first.
Work With Your Agent
A real estate agent represents your interests when purchasing a home — one of the most significant financial investments you can make. For this reason, it is essential to select a real estate agent with in-depth knowledge of your local real estate market and specialized experience in the property type you are interested in.