WORK WITH ME

For Buyers

What to expect...

Helping Buyers Find Their Perfect Property

 As a buyer, lean on my 20 years experience in Real Estate so you can enjoy the buying process and feel confident about your home buying decision. Long after you close, I’ll be here to help you navigate life in your new home (or town!), answer questions, or grab a cup of coffee.  

Here’s what they had to say…

Anna was extremely knowledgeable, always enthusiastic and an excellent communicator. Anna made everything easy for us, she found us multiple homes to look at, when we found the home we loved she negotiated with the sellers to make sure we had what we needed. Anna was available to us anytime we called/text/emailed and was incredibly responsive. We cannot fault her in any way!

– the robert’s

how it works...

THE BUYING PROCESS

01
Get pre-approved

Pre-approval is the first step in home buying. Lenders will review your finances to set your budget, show financial means, and secure funding for your dream home.

02
start the seach

Make a list of your home preferences, visit homes within your criteria, take notes/photos, be open-minded, ask questions, and you'll be closer to finding your dream home.

03
Make an offer and negotiate

Send a confident offer to the seller with your desired price, ideal closing date, and necessary conditions. I am skilled in negotiating and will work with you until we reach an agreement. Focus on your goal and let's make your dream home a reality.

04
Complete due diligence

Once the offer is accepted, expect a due diligence phase. This usually includes a home inspection for issues, reviewing property disclosures, and completing your mortgage application. Collaborate with your lender to fulfill requirements and secure financing.

05
Close the deal and move in

Once all contingencies are met, you'll proceed to the closing stage. This involves signing the necessary legal documents, paying closing costs, and transferring ownership of the property. After the closing, you'll receive the keys to your new home, and you can begin the exciting process of moving in and making it your own!

ready to start?

What makes working with me different?

Set Up a No Obligation
property Search

By setting up a no-obligation property search, you can stay informed about new listings that meet your requirements, giving you a competitive edge in today’s fast-paced real estate market. Don’t miss out on your perfect home – let’s start the search together!


Got Questions?

About Buying Real Estate in Central Maine?

Yes, a home can depreciate in value under certain circumstances. Depreciation refers to a decline in the value of an asset over time. While homes generally tend to appreciate in value over the long term, there are several factors that can cause a home to depreciate:

1) Market conditions: Economic factors such as a recession, high unemployment rates, or an oversupply of homes in the area can lead to a decrease in home values. When demand for homes is low and supply is high, prices may decline.

2) Location: The location of a home plays a significant role in its value. If the neighborhood experiences a decline in desirability, such as increased crime rates, deterioration of infrastructure, or the closing of important amenities, it can negatively impact property values.

3) Physical condition: The condition of a home can affect its value. If a property is not well-maintained or requires significant repairs, its value may decrease. Issues like structural problems, water damage, or outdated features can contribute to depreciation.

4) Environmental factors: Homes located in areas prone to natural disasters like floods, earthquakes, or hurricanes may experience a decrease in value. The potential risks associated with such events can deter buyers and lead to depreciation.

5) Changes in zoning or regulations: Changes in local zoning laws or regulations can impact property values. For example, if a new highway or commercial development is built nearby, it could negatively affect the desirability and value of surrounding homes.

It’s important to note that while homes can depreciate in value, the real estate market tends to be cyclical, and properties often regain value over time. Additionally, depreciation is typically a long-term trend and may not be noticeable or relevant in the short term.

The value of an older home compared to a new home depends on various factors:

  1. Price: Older homes may be priced lower but might require renovations.
  2. Maintenance: New homes generally require less immediate maintenance.
  3. Energy efficiency: New homes often have energy-saving features.
  4. Location: Consider proximity to amenities and future growth potential.
  5. Historic/architectural significance: Older homes may offer unique qualities.
  6. Personal preferences play a significant role.

Ultimately, the decision depends on individual circumstances and preferences.

The loan process to purchase a home typically takes an average of 30 to 45 days, but the timeline can vary based on various factors. Here are the key stages involved in the loan process:

1. Pre-approval: Before beginning your home search, it’s beneficial to get pre-approved for a loan. This involves providing necessary financial documents to a lender, who then assesses your creditworthiness and determines the loan amount you qualify for. Pre-approval can usually be obtained within a few days.

2. Loan application: Once you find a home and have an accepted offer, you will formally apply for the loan. This step involves submitting a loan application and providing supporting documents such as income verification, bank statements, and tax returns. The lender will review these documents and initiate the underwriting process.

3. Underwriting and loan approval: During underwriting, the lender evaluates your financial information, reviews the property appraisal, and ensures compliance with loan guidelines. This stage typically takes a couple of weeks, although it can vary based on the complexity of the application and the workload of the lender.

4. Loan processing and documentation: After receiving underwriting approval, the loan goes into processing. The lender gathers necessary paperwork and prepares the loan documents for closing. This stage can take a few days to a couple of weeks, depending on the efficiency of the lender and the responsiveness of all parties involved.

5. Closing: The final stage is the closing, where you sign the loan documents and complete the purchase of the home. The closing process typically takes a few hours, and the actual funding and transfer of ownership occur shortly thereafter.

It’s important to note that unexpected delays can occur during the loan process. These delays can be caused by issues such as appraisal problems or discrepancies in the required documents. Being proactive and responsive throughout the process can help ensure a smoother and more efficient loan process.

When purchasing property in Central Maine, there are several unique factors and considerations to be aware of:

1. Rural and natural surroundings: Central Maine is known for its beautiful rural landscapes, including forests, lakes, and mountains. If you value a peaceful and natural environment, Central Maine offers numerous opportunities to enjoy outdoor activities such as hiking, fishing, and skiing.

2. Seasonal variations: Central Maine experiences distinct seasonal changes. Winters can be cold and snowy, while summers are generally warm and humid. Take into account your preferences for weather and any potential impacts on property maintenance and accessibility.

3. Distance to amenities: Central Maine is characterized by small towns and rural areas, so it’s important to consider the proximity to amenities such as grocery stores, healthcare facilities, schools, and entertainment options. Some areas may have limited access to certain services, requiring longer drives to larger towns or cities.

4. Commuting considerations: If you need to commute to work or have regular travel requirements, consider the distance and accessibility of major highways, public transportation options, and the potential impact of seasonal weather conditions on commuting.

5. Historical and cultural significance: Central Maine has a rich history and cultural heritage. You may encounter properties with historical significance or architectural charm, particularly in towns like Augusta, Waterville, and Hallowell. Consider the preservation regulations and potential benefits or limitations associated with owning a historic property.

6. Economic factors: It’s important to research the local economy in Central Maine and understand the major industries and employment opportunities in the area. This knowledge can help assess long-term economic stability and potential for future growth or development.

7. Waterfront properties: Central Maine boasts numerous lakes and rivers, offering opportunities for waterfront properties. If you’re interested in owning a lakefront or riverfront property, be sure to understand regulations, permits, and potential flood risks associated with such locations.

It’s always advisable to work with a local real estate agent who has in-depth knowledge of the Central Maine area to guide you through the purchasing process and provide specific insights based on your preferences and needs.

Property tax rates in Central Maine can vary depending on the specific town or city where the property is located. Each municipality sets its own property tax rates based on its budgetary needs and local tax policies. It’s recommended to consult with local tax authorities or a real estate agent familiar with the area to obtain accurate and up-to-date information on property tax rates in specific towns or cities within Central Maine.

In terms of tax incentives or exemptions, there may be various programs available in Central Maine, but they can differ from one municipality to another. Some common tax relief programs or exemptions that may be available include:

1. Homestead Exemption: This exemption provides a reduction in property taxes for primary residences. It typically requires the homeowner to be a permanent resident of the property.

2. Veteran Exemption: Veterans or their surviving spouses may be eligible for property tax exemptions or reductions as a form of recognition for their service.

3. Elderly or Disabled Exemption: Some municipalities offer property tax exemptions or deferrals for eligible elderly individuals or individuals with disabilities.

4. Conservation Easements: Property owners who place a conservation easement on their land to protect natural resources or open space may be eligible for property tax benefits.

5. Agricultural Exemptions: In rural areas of Central Maine, there may be agricultural or farmland assessment programs that offer tax incentives for qualifying agricultural properties.

It’s essential to research the specific tax relief programs available in the town or city where you plan to purchase property. Local tax authorities or a real estate professional with local expertise can provide more detailed information about the specific tax incentives or exemptions applicable in Central Maine.

Don't take my word for it...

What My Buyer Clients Have to Say

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