I am venturing into the world of buying my first home, looking for someone on my side as a real estate agent. Looking for a house in the Port Orchard / Olalla area and possibly Belfair. Nothing in Pierce County or Bremerton. I am totally new to this, don't even know where to begin honestly. I have reached out to the agent of a home I am interested in but have no clue on how to approach financing yet.

Any help would be greatly appreciated.

Shari Weber is who you'll want. She's super hard working, and knows that area very well. She actually lives in PO.

http://www.realtor.com/realestateagents ... WA_1258678

Congrats on taking the big step!

Get a good agent, and he/she can point you in the right direction for financing, house inspections, etc. But DEFINITELY get an agent as a buyer ... it's basically free for you, and will be very helpful.

Go to your bank, and talk to them. You will need to get pre-approved before a Realtor will really engage you, so they know what you can afford etc.

We just bought a home a couple weeks ago and our bank (Local CU) ended up using Quicken Loans for the 30 Year Fixed. I have bought a home before and done refi's etc.. This Quicken Process was fast and painless, with a great rate too. We went from offer to keys in 35 days.

Once you have your approx $$, then you can start really looking. Also, create an account on Realtor.com or Redfin.com and save some searches with your criteria. It'll email you when a house that matches what you want pops up, that's how we found our home.

Thanks for the input guys, I am already talking to Quicken Loans, actually am starting the pre approval process this week with them.

Funny...a guy at work was just telling me they Quicken Loans keeps changing the price and rate for his re-fi on him. The fees are supposed to have been locked in already but very time he talks to them, they tell him different numbers. His experience was that they don't know the meaning of the words "locked in".

He's super frustrated so just pulled the plug and went to a credit union.


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Always get a Truth In Lending statement / disclosure form from the lender before signing anything.

Don't stress too much on your pre-approval. You can do that while shopping for a home. Your realtor will probably even have a few loan officers that they already work with that can help out. Always shop price, but having a friendly loan officer can help if things get in a bind.

And, do give Shari a call.

If you get looking south towards Gig Harbor and the other realtor doesn't work out I would talk to Julia:

http://www.realtor.com/realestateagents/Julia-Runyan_Gig-Harbor_WA_1103086_177894821/

She works with one of the builders I frame for. I framed an investment house for her personally too. She's pretty cool. Not sure how far north of Giggles she works.

I'd offer to help too but I'm in Ky till the end of the month. Home inspections are the biggest racket in real estate. They might as well pull up and say "Yup, it's a house". Have a contractor look at everything

Wife of SporkBoy has some listings in PO. She will get you sorted.