Being prepared and understanding the market are two of the most important steps when buying a home. When you enlist the services of Cottingham Chalk Hayes, Realtors to help you, or even if you prefer to work alone, here are some things to keep in mind.

1. Determine how much you can afford.
• Plan ahead by listing out your sources of income, savings, monthly expenses, and other cash-flow considerations.
• Contact a loan officer to get pre-qualified. Sellers will be more interested in your offer if they know you have been pre-approved.
• Use the mortgage calculator to help determine what your monthly principal and interest will be.

2. Start your home search and learn about the Charlotte market.
• Select the criteria that are important to you such as number of bedrooms, square footage, traditional home or condo.
• Be mindful of the location of your place of business, preferred schools, proximity to doctors and hospitals, restaurants and entertainment.

3. Contact a Cottingham Chalk Hayes, Realtors agent.
• There are significant advantages to being represented by a well-trained agent who acts on your behalf, and it doesn’t cost you a dime!
• Representation by a Buyer’s Agent assures that your very best interests will be handled in a professional manner.
• Click here to see a list of our sales associates and a brief bio on each. Or call us and we’ll arrange for an agent to interview you by phone or meet with you in person.