House shopping can be a stressful experience.  In addition to looking for the perfect home, you need to get your financing in order.  Being prepared is the best way to make sure your house shopping goes easily and smoothly.
Start With Your Criteria
Before beginning your search of homes for sale, make two lists...features that you NEED in a home and then features you WANT in a home.  Your needs should be things that you are absolutely certain you have to have.  This will help you narrow down the housing search.  Your wants will give you guidance as to which properties you will view first.

Get Pre-Qualified
If you don't already have a pre-qualification from a bank or mortgage lender, you'll want to get this in order.  By having this pre-qualification, you will be able to put an offer in for a home quickly.  With the current state of the real estate market and the low inventory of homes for sale, offers happen quickly when a home appears on the market.  You want to be need that pre-qualification!
Hire a Realtor at the Beginning of Your Search
For a buyer, there is really no reason not to work with a real estate agent.  Most real estate agents charge a fee (around $300) for their services, which is paid at closing.  I'm proud to say that I and my company DO NOT charge any buyer fees.  Your Realtor will be able to assist you in finding a home and educate you on the home values in the areas you prefer.  She will also assist you through the entire process of submitting a contract, negotiate terms and price, inspections, and get you through escrow and closing.

Get In Your Car
When looking for a home, it may be helpful to get in your car and do a drive-around.  In addition to the MLS listings that your Realtor should be sending you, neighborhoods may have For Sale By Owner signs.  Your Realtor can assist you with this type of sale and get you a showing with the owner.

In general, your first step should be to find a real estate agent.  She will be able to guide you through the entire process and give you a realistic picture of your options.

To begin your house hunting process in the St. Louis/St. Charles area, just give me a call or text at (314) 348-4033 or email me at: