Work With JoDee Foss

The first step to your home search is determining how you are going to pay for this property. For most people this means initiating your mortgage. It’s important to know how much home you can afford, how much down payment you will need, the monthly mortgage payment, as well as, what type of loan program you’ll use to finance the new property. Once you have establishing which program works best for you, you will receive a “letter of financing”. This letter will accompany the “offer” when you find the house you wish to bid on.

Please note: If you don’t qualify for immediate financing, we can figure out a strategy to get you to a point that you will.

If you’re looking for guidance in choosing a mortgage provider, I can help you. We are very fortunate to have many wonderful mortgage companies in our area. You have options!

I believe an educated buyer is a happy buyer! This purchase is most likely one of the biggest purchases of your life. With that being said, this purchase should be looked at as an investment in addition to a place to live. I aspire to help you make the best decision for today and for your future.

There are so many different considerations and moving parts to choosing the right home. I will help you navigate through all of them. First, it’s about you and your goals and then we negate the market. The market is ever changing with values and prices fluctuating for a multitude of reasons. Be confident, I will share with you all I have learned in my years of experience to help you make a good decision. From choosing the right fit to offering a fair price with a solid offer that will protect you, I’m here to guide you every step of the way!

Your offer is accepted! Now what? It’s time for the due diligence timeline to begin. Take a deep breath and know that I’m here to see you through to closing. This is the time that everyone starts working together to process your transaction. Strong communication is key. Steps are taken to confirm the property is what you expect and worth what you are paying with a home inspection and a home appraisal. Your finance company is busy processing and underwriting your mortgage. The title company is working on the title work for proper passing of ownership. Your insurance agent is working to insure the property. We all have important roles to play. Buying a new home is literally a team sport since there are so many tasks, important timelines, documents and responsibilities that need attention. With a good team on your side, the multiple steps and potential challenges can be worked with and worked through with success. I pride myself in keeping this wheel turning smoothly. I do all I can to make this process as stress-free as possible for you!

This is what you have worked so hard for, the Closing! The day that you take the keys and start your journey in home ownership! This is when all of your team players come together at the same time, with the same agenda, on the same date…. with numbers and figures that match all in favor of accomplishing your dream.

On this day, you will likely do a final walk through of the property before you officially close. Closing will require a good number of signatures. This Closing gathering most likely will be when you meet the seller. This is a great time to ask the Seller any questions you may have about the property. Questions might include; what day is garbage day? where is the mailbox? Who works on the sprinklers? All in all, this is the grand finale for which you have worked so hard! Congratulations, you are a homeowner and now it’s time for a happy dance!