Here at House of Sparks we're committed to being the go-to when it comes to buying a home!
Watch below for everything you need to know if you're thinking about buying a home in 2024!
Buying a home can be a little stressful and at times overwhelming.
Here's a secret, it's all about being prepared!
If you're thinking about buying your first home, saving up for all the costs involved can feel daunting.
Especially when it comes to the down payment.
There are two actual changes that will take place.
Here are the facts and what effect the changes can have on buyers, sellers and agents.
There's a lot of confusion about what's happening with mortgage rates right now.
What you really need to know is that compared to the near 8% Peak last fall, mortgage rates have trended down overall.
With inflation rising, home prices and mortgage rates ..well there's no arguing this housing market is challenging for first-time home buyers!
Trying to decide between old and new?
One's not necessarily better than the other, they're just different!
DO YOU WANT TO GET A FREE CUSTOM HOME BUYER PLAN?
Go to the next page to request a custom market home buyer action plan!
What exactly is private mortgage insurance? You've heard of PMI, maybe you haven't. In this video I'm going to go over exactly what PMI is, and when PMI applies to home mortgage loan.
Thinking about buying a home this year?
Then this video is for you!
How changing mortgage rates affect your home buying power!
Keep in mind payment amounts factor in credit score, DTI and other personal factors.
♦ What is a government loan?
♦ Do all homes qualify?
♦ What should you look for when home shopping?
♦ Come along with me while I show my buyer the home she bought for the FIRST time
♦ What exactly is sight unseen?
♦ Enjoy a day in the life of a Realtor!
♦ What is the FIRST step?
♦ Knowing your finances are IMPORTANT
♦ Talk to a lender BEFORE anything
♦ Pro's & con's of getting a home inspection
♦ Why are home inspections important?
♦ What things should you look for on the inspection report?
♦ Saving for unexpected repairs
♦ What costs aren't included in closing
♦ What contributes to home affordability?
♦ Interest rates & how they affect your monthly payment
♦ What questions do you ask an agent?
♦ How to know if an agent is right for you
♦ What fears to potential home buyers have
♦ Let's talk & put your mind at ease
♦ I'll crush the rumors you've heard about home buying
♦ Is home buying the most stressful part of your life?
♦ A comprehensive checklist to buying a home
♦ Do you need to rent the home your buying?
♦ What are the terms of a leaseback?
♦ You're ready, now what?!
♦ Educate yourself!
♦ Find a Realtor & Lender you want to work with
♦ What types of loans are there?
♦ What does my credit score need to be?
♦ What are the down payment options?
DO YOU WANT TO GET A FREE CUSTOM HOME BUYER PLAN?
Go to the next page to request a custom market home buyer action plan!
♦ What is a Dual Agent?
♦ How does having a dual agent change the transaction?
♦ Why dual agency isn't always the best idea
♦ What options you have for terms
♦ Protect yourself in the contract
♦ Timelines & contingencies
Factors that play into affordability are:
The applicants income and the mortgage right data.
You may have heard the debt to income ratio before. Affordability depends what your debt to income is.
Why work with me?
I care more about the people that I have the opportunity to work with more than how many transactions I finish in a year.
Check out my brand story, what makes me...well, me!
What people are saying about working with me!
Helping people is my passion! See how I've helped all of these wonderful clients!
Loved working with her. She was quick at getting me in the door to start looking at homes. Very noalagble on the home buying process and was able to teach me a lot along the way. Would definitely recommend her!
Christina was the best to work with. She was very responsive to my texts and phone calls. She came prepared to every showing with all the information about the property we could need. When it looked like the property we were interested in magic to make it happen. We honestly would not be in our dream house today if it was not for her and her excellent contacts at the mortgage brokers. Speaking of contacts, she was able to get inspectors, electricians, plumbers and house cleaners to the property to inspect and take care of it immediately. If she hadn’t been able to get everything done so quickly this would not have worked out for us.
Christina Sparks is hands down the best realtor I’ve ever had a chance to work with. When it comes to real estate she knows her stuff. Any time I had a question she was always there to answer it for me. She never failed to answer her phone and she kept me up to date with updates every step of the way. We listed our house when everybody said we had missed the hot market and even then Christina went above and beyond with open houses and chasing down potential customers. We sold our house sooner than we expected and me and my wife owe it all to her. She is an amazing person and one heck of an agent. I will definitely be recommending her to everybody I know. Thanks to Christina, and Coldwell Banker, we have sold our house and are now moving on to the next chapter of our life. If you need an agent and want it to be as smooth as possible and have a great person to work with, choose Christina Sparks.
Christian helped us sell our rural Barry county hone and navigated so many weird requests from the buyers lender with EASE. She did an amazing job working with all the chaos happening for their loan, and without her help I don't think their lender would have even approved them for the loan!Christina is professional, helpful, kind and she will fight for whatever you need while making it look easy.If you're selling in the area, I highly recommend Christina!
Words I would use to descibe doing Buisness with Christina Sparks: Positive,diligent,thorough,
accurate,detailed, vision,persistent.
My wife and I interviewed 5 realtors before deciding to go with Christina Sparks. While other realtors in the area were negative and giving their personal opinion of 60-70k less than what we were wanting to sell for, Christina saw our vision and knows the Market so well that she knew we were in the right price range. Christina took awesome house pictures, found Comps, and used her amazing advertising skills to bring the buyer to us easy and effortlessly. In this particular transaction Christina kept in contact with tus, the buyers lender, inspector, engineer, appraiser, and the buyers agent (which the buyers agent basically did no things to help anybody, even their own client from what we could tell). We Sold for what we asked for in the 3 month time frame we needed and It was because we had such an amazing Agent, Christina Sparks. For those who want someone that knows what they are doing and puts in the work and doesn't take NO for an answer and knows how to talk to people that are ignorant in their own business, She IS THE Agent for you. If you want some one that just wants your money and doesn't know much about real estate,hire someone else. Thank you Christina Sparks for being such an amazing person and Agent, we are truly Blessed to have someone That knows Their business to Help Us. I know you will do well because you are passionate and knowledgeable in what you do.