Buy with confidence,
not guesswork.

New to this? Here's what actually happens, in plain language: you'll decide on a budget, get pre-approved, tour homes, make an offer, complete inspections and appraisal, and close. Kim walks you through each stage and tells you what's coming next — no surprises.

Pre-approval is a lender's estimate of how much they'll lend you based on income, debt, credit, and savings. It shows sellers you're ready, and it keeps your search focused on homes you can actually buy. Kim can recommend local lenders and help you compare offers.

Down payments aren't always 20%. Several loan programs allow less, and there may be assistance options for eligible buyers in West Virginia. Your lender will help you find the program that fits; Kim can point you in the right direction.

Bring a list of must-haves and deal-breakers, check natural light, storage, and major systems, and don't overlook the neighborhood — commute, traffic, noise, and future development. Take photos and notes; comparing homes from memory is harder than it sounds.

An offer is more than a price. It includes contingencies, earnest money, timelines, and sometimes inspection and financing terms. Kim reviews recent comparable sales with you and helps structure an offer that's competitive without overpaying.

A professional home inspection uncovers issues before you're committed. Depending on the home, you may also want well, septic, radon, or pest inspections. You'll review findings together and decide how to proceed — negotiate repairs or credits, or reassess.

Closing is where ownership transfers. You'll finalize your loan, review the settlement statement, do a final walk-through, and sign. Kim coordinates with the lender, title company, and everyone else so the day goes smoothly.