The very first step when planning to buy a home will be to establish your level of buying power. Only a licensed mortgage specialist can advise what you can afford in general and how the expenses will look month to month. With so many types of properties on the market, a local lending specialist is a necessity. You need someone who is intimately familiar with loan-to-value tolerances for each type of property, market and construction changes, and the types of documentation required from both buyers and sellers.


  Kevin Retcher
(703) 799-5626