Buying

Kellie Shirah

Let me help you find your dream home!

When looking for a home, my experience and know-how are invaluable. As your home buying representative, I will meet and exceed your expectations and put your personal needs and goals as my top priority. With over 20 years of experience in the real estate market in Suwannee, Columbia, and Hamilton counties, I have a deep understanding of what it takes to get the home of your dreams in today's competitive market. If you're looking to buy a property in Northern Florida and don't know where to start, contact me today. I work to make sure you don't miss out on the home of your dreams.

As Your Agent, I Will:

• Assure that you see all the properties in the area that meet your criteria.
• Guide you through the entire home buying process, from finding homes to look at, to getting the best financing.
• Make sure you don’t pay too much for your new home and help you avoid costly mistakes.
• Answer all of your questions about the local market area, including schools, neighborhoods, the local economy, and more.

Before You Start Looking For Your New Home:

• Check your credit rating. Straighten out any errors before it's too late.
• Determine a comfortable monthly budget for your new purchase, including down payment and monthly payment.
• Find a loan that meets your needs and get pre-qualified (preferably pre-approved).
• Choose a REALTOR® that you trust and who understands your needs.
• Determine what neighborhood best matches your needs.
• Identify important features you need your new home to have.

Closing Costs to Expect:

• Lender fees include charges for loan processing, underwriting, preparation, and establishing an escrow account.
• Third-party fees include charges for insurance, title search, and other inspections such as termites.
• Government fees include deed recording and state & local mortgage taxes.
• Escrow and interest fees include homeowner’s insurance, loan interest, real estate taxes, and occasionally private mortgage insurance.