Buyers
For Buyers
High-quality Buyer Services
"My services are built to save you time and money while making the home buying process easier, smoother, and far less stressful."
Whether you’re searching for your first home, a forever home, or an investment property, I’m committed to providing you with the highest level of service. Buying a home is one of the most important financial decisions you’ll ever make, and it deserves the right guidance, up-to-date market information, and expert advice.
One of my specialties is representing the best interests of Ithaca-area buyers throughout the home buying process. My comprehensive, high-quality service is designed to save you time, money, and stress so you can focus on the excitement of finding the right place. With my knowledge of the local market and dedication to your goals, I’ll help you make confident, well-informed decisions every step of the way.
Would You Like To
Learn More About The Process?
"This guide is designed to walk you through the key questions every homebuyer should ask."
Financial Obligations
Getting Your Finances Ready
Before you start saving listings or calling agents, it’s important to get your finances in order. That means paying down debts, improving your credit score, and building a healthy savings for a down payment. While a 20% down payment is ideal, most banks require at least 5%. Just keep in mind that if you put down less than 20%, you’ll likely need to pay private mortgage insurance (PMI).
Pre-Approval vs. Pre-Qualification
The next step is meeting with a lender to get pre-approved for a mortgage. Pre-approval carries much more weight than pre-qualification, and here’s why:
-
Pre-Qualification: An estimate of what you may be able to afford.
-
Pre-Approval: A confirmed amount the bank will lend you.
With a pre-approval letter in hand, sellers see you as a serious buyer—and you’ll know exactly what you can spend, helping you stay on budget.
Pre-Approval vs. Pre-Qualification
The next step is meeting with a lender to get pre-approved for a mortgage. Pre-approval carries much more weight than pre-qualification, and here’s why:
-
Pre-Qualification: An estimate of what you may be able to afford.
-
Pre-Approval: A confirmed amount the bank will lend you.
With a pre-approval letter in hand, sellers see you as a serious buyer—and you’ll know exactly what you can spend, helping you stay on budget.
Budget Beyond the Purchase Price
When planning your home purchase, remember to account for additional costs that often come up, such as:
Inspections
Repairs
Closing costs
Contingencies
Other fees
Deciding to Buy
Purchasing a Home
Why Are You Buying?
Has Your Income Grown?
WHY YOU SHOULD HIRE A REAL ESTATE PROFESSIONAL
Why Work With an Agent?
Most buyers don’t purchase their first home without the guidance of a qualified real estate professional—and for good reason. While some people try to go it alone to save money, the truth is that an experienced agent adds the most value during negotiations.
Studies show that buyers who work without an agent often end up paying significantly more than those who have a skilled negotiator on their side. You might be able to find a home on your own with enough research, but securing it at the right price requires expertise.
With the right agent advocating for you, you’ll have someone protecting your interests, guiding you through every step, and helping you achieve the best possible outcome. Contact Bintu today to make sure your next home purchase is a smart one.
