- 414-764-3200 ext 3012
- 414-764-3200 ext 3000
- 2031 E Rawson Avenue, Suite 100
Oak Creek, WI 53154
Welcome to my Website
As a full time REALTOR®, my greatest satisfaction comes from helping my clients achieve their goals. Whether you're a first-time home buyer, seeking to sell, upgrade or interested in investment property, I will be with you every step of the way.
I approach each client relationship as an opportunity to assist a new friend. My goal is to exceed your expectations, give you a peace of mind, keep you smiling, and make sure that you enjoy the journey.
I have extensive knowledge of the real estate market. I also have a tremendous amount of resources available to provide you with accurate answers regarding the real estate market.
I provide outstanding client counseling, education and service through the arduous task of buying or selling a home. My attention to detail and the emphasis I place on educating my clients throughout the transaction allows me to serve you better.
I look forward to speaking with you and discussing your home buying and selling needs.
Helping first-time home buyers is not only one of my specialties; it is the most rewarding part of my job. The excitement of purchasing your first home should not be overshadowed by the unknown. I understand the decision to purchase your first home is a big one, and my goal is to make sure we find a home that exceeds your expectations in a home that suits your needs and budget.
Things to avoid during the Mortgage Process
1. Don’t apply for new credit: It may seem natural to apply for a credit card at a home improvement store or a furniture store when you are about to become a homeowner, but applying for credit can lower your credit score. Not only will you lose a few points because of a credit inquiry, but if you are approved for new credit, a lender may worry that you will spend up to your new credit limit and then default on your loan.
2. Don’t close any credit accounts: You may be feeling that this is a good time to get your financial house in order by closing unused credit accounts or transferring your debt to a new credit card with a zero-interest balance transfer offer. While that’s a smart move financially, it’s a bad one for your credit score because you lose points when you have a higher usage of debt compared to your limit on one credit card and to your overall credit availability. Wait until your closing is complete before you make these changes.
3. Don’t move your money around without a paper trail: Your lender will need the most recent bank statements before you go to settlement, so if you have any unusual deposits you will need to provide complete documentation of where the money came from. If possible, it’s best to move the cash you will need for your home purchase into one account before you apply for a mortgage. If not, make sure you have complete and accurate records readily available.
4. Don’t increase your debts: In addition to your credit score, your debt-to-income ratio is extremely important to a loan approval. If you take on more debt you could be in danger of going above the maximum acceptable debt-to-income ratio.
5. Don’t skip a payment or make a late payment: One of the most important elements of your credit score is your history of on-time, in-full payments, so don’t get so caught up in your move that you forget to keep up with paying basic bills.
6. Don’t buy a car: You may be feeling that a new car would be a nice addition to the driveway of your new home. Resist that feeling. Even if you can easily afford a new car, the depletion of your savings or the addition of a new car loan could derail your mortgage application. Wait until after you have moved to switch to a new car.
7. Don’t change jobs if you can help it: While a job change could mean a raise or a path to a better future, it could also delay your settlement. Your lender needs to verify employment and will need pay stubs to prove your new income before your loan can go to settlement.
8. Don’t spend your savings: You’ll need cash on hand at the settlement for your down payment and closing costs and your lender may even verify your cash reserves one more time, so make sure the funds stay in place.
Easter Seals has been helping individuals with disabilities and special needs, and their families, live better lives for nearly 100 years. From child development centers to physical rehabilitation and job training for people with disabilities, Easter Seals offers a variety of services to help people with disabilities address life's challenges and achieve personal goals. Over the past 10 years, through the combined efforts of our clients, agents and staff, we have successfully donated over $100,000 to this worthy cause.
Sara is a Realtor full time and mother of two boys, and loves the flexibility it offers. In her spare time, Sara enjoys