All it takes to buy a house at Smith Mountain Lake is an experienced local real estate agent like Deb Beran and a couple of weekends hitting the open houses, right?
Not so fast.
While choosing a great real estate agent and a few open houses is part of the process, there are several other key pieces that need to come together in order to actually call a dreamy Smith Mountain Lake home your own. Pieces Deb Beran Properties is happy to help guide you through.
Get to Know The Area
This is a part of buying a Smith Mountain Lake home that we can’t stress enough. Even if it seems like SML is a small, easy-to-navigate area, it still offers a wide range of options you will want to have a strong understanding of before you begin to shop properties.
Simply looking at the MLS property listings on our site will give you an idea of how much variation there is in location, style, size, water frontage, lake access, convenience and privacy.
One of our favorite parts of what we do at Deb Beran Properties is showing our home buyers just how much opportunity is here, but we also love to help narrow down the options so that you don’t get overwhelmed or make a poor decision. Let us help you get to know the Smith Mountain Lake area before you get your heart set on a property that may not be the best fit for your family.
Evaluate Your Finances
It’s not very exciting to most, but evaluating your financial situation is a necessity for buying any property. Once you begin the home loan process, you will be asked for a list of financial records, credit history, deposit capability and payment history that will take time to get together. Get this taken care of before you begin shopping and you’ll save yourself considerable time.
Choose a loan officer
Choosing a bank or non-bank lender is how you get the loan you’ll need to buy. Deb Beran would love to offer recommendations on reputable loan officers and lending companies that can help you with the financial side of buying. One of the best avenues is choosing a loan officer who can work with you personally every step of the way.
Talk to Other Homeowners
Learning from the mistakes and victories of other Smith Mountain Lake homeowners will help you be a step ahead when you begin shopping for a Smith Mountain Lake home. There is no one better qualified to give you community advice than those that live where you’re aiming to be. Deb Beran has countless homeowner contacts that would love to provide advice and guidance on certain neighborhoods or areas of the lake. They can also testify to going through the home buying process and what they are glad they did or wish they had done as it happened.
We hope these tips will help you as you begin your journey to buying your perfect place at Smith Mountain Lake. We are here for whatever you need, let us know how we can help!