Buyer Resources
Your Guide to Buying a Home
Buying a home is one of the biggest decisions you'll ever make. I'm here to make the process clear, confident, and — dare I say — enjoyable.
6
Steps to Homeownership
30–60
Days to Close (avg)
3.5%
Min. Down (FHA)
$0
Buyer Agent Cost to You
The Process
6 Steps to Your New Home
I'll guide you through every step — from getting pre-approved to picking up your keys.
Get Pre-Approved
Before you start touring homes, connect with a lender to get pre-approved for a mortgage. This tells you exactly what you can afford and shows sellers you're a serious buyer.
- Check your credit score first
- Compare at least 2–3 lenders
- Get a pre-approval letter, not just pre-qualification
Define Your Needs
Make a list of must-haves vs. nice-to-haves. Think about location, school districts, commute, yard size, and number of bedrooms. Knowing your priorities saves time and stress.
- Separate needs from wants
- Consider future needs (growing family, remote work)
- Research neighborhoods online first
Tour Homes
Now the fun part. I'll set up showings based on your criteria and guide you through each property — pointing out things you might miss and helping you compare options objectively.
- Visit at different times of day
- Look past staging and décor
- Take notes and photos at each home
Make an Offer
When you find the right home, I'll help you craft a competitive offer based on market data, comparable sales, and the seller's situation. Negotiation is where experience matters most.
- Offer price is just one term
- Contingencies protect you
- Response time is typically 24–48 hours
Inspections & Due Diligence
Once under contract, you'll schedule a home inspection. This is your chance to learn everything about the property and negotiate repairs or credits if issues are found.
- Always get a home inspection
- Consider specialty inspections (roof, HVAC, foundation)
- Review the seller's disclosure carefully
Close & Get Your Keys
The final step — signing documents, wiring your closing funds, and receiving the keys to your new home. I'll walk you through every document so nothing is a surprise.
- Do a final walkthrough before closing
- Bring a valid photo ID
- Closing costs are typically 2–5% of the loan amount
Financing
Understanding Your Loan Options
The right loan depends on your credit, down payment, and situation. Here's a quick breakdown of the most common options in Louisiana.
Conventional Loan
Most CommonBest for buyers with good credit (620+) and at least 3–20% down. No upfront mortgage insurance with 20% down.
FHA Loan
First-Time BuyersGovernment-backed loan requiring as little as 3.5% down. Great for first-time buyers or those rebuilding credit.
VA Loan
VeteransExclusively for veterans and active-duty military. No down payment required and no private mortgage insurance.
USDA Loan
Rural AreasZero down payment option for eligible rural and suburban areas. Louisiana has many qualifying locations.
Not sure which loan is right for you? I can connect you with trusted local lenders who specialize in Louisiana home purchases.
Frequently Asked Questions
First-time buyer or seasoned homeowner — these are the questions I hear most often.
Ready to Find Your Home?
Let's talk about what you're looking for. I'll help you navigate the Baton Rouge area market with confidence.
Or call me directly