ABOUT CARRIE
ABOUT CARRIE SCHWAGER
Carrie Schwager provides a boutique-style real estate experience whether you’re buying or selling. As an accredited luxury home specialist, Carrie offers specialized marketing for sellers, targeted search for buyers, and personal, responsive customer service for all. Her background as a business executive provides her clients with valuable tools for a successful transaction from start to finish. She is highly regarded as a conscientious, diligent, hard-working realtor who goes the extra mile to ensure the best transaction for her clients. From negotiating to facilitating a successful closing, Carrie goes above and beyond to help her clients reach their real estate goals. Carrie specializes in residential real estate including luxury homes, lake properties, equestrian and farm and ranch. In addition to residential sales, unlike most realtors, Carrie is also experienced in commercial real estate acreage tracks as well as court ordered estate sales. This versatility is a great asset to both seller and buyer.
Carrie is a professional realtor brokered by CB&A, Realtors. Being a part of CB&A, Realtors gives her the tools to provide my clients the highest level of customer service for reaching their real estate goals as a Seller or a Buyer. Her knowledge of many different types of real estate transactions and her business background is a definite assets to her clients. Carrie would love the opportunity to earn your business and you become a part of her real estate family.
CLIENT TESTIMONIAL
Have a vision of what you need but cannot find it in your price range? Carrie is a MASTER at helping you virtually design your dream home in your price range from properties that are available. She listens to your wants/needs and looks for properties that either fit in that space or properties that could easily become your dream home!
PRE-APPROVAL VS. PRE-QUALIFICATION
Now that you know what you want in a home, you need to find out what you can afford. There are two ways to go about this: pre-qualification or pre-approval for a loan. Either way, you can contact Carrie about choosing a mortgage company.
Pre-qualification is the simpler of the two processes. It can even be done online or over the phone. When you contact a mortgage company, they will ask you for some basic information about your finances – how much money you earn, your debt load, etc. They will take this information and give you a rough estimate of how much of a loan you might qualify for.
Pre-approval is more a more in-depth process. The lender will perform an extensive check of your finances including your credit rating, whether or not you’re a first time buyer, what your debt load is, how much money you have to put as a down payment, etc. This figure will be a much more reliable estimate of what you can afford.
In most markets, pre-approved buyers are preferred over those that are merely pre-qualified. Being pre-approved lets the seller know you have gone through an extensive financial background check and there should be no unexpected obstacles to you buying their home.
NEIGHBORHOOD INFORMATION
Now that you have your list of needs and wants and know how much you can afford to spend, it’s time to look at some houses. People don’t just buy a house; they buy the neighborhood where the house is located.
You will need to consider things like drive time to work and major destinations, amenities such as swimming pools, tennis courts, parking, etc., area schools and the demographics of the surrounding area.
HOME SEARCH
At this point you will have a good idea of what you can afford and the type of area you will want to invest in. If you don’t know much about the city to which you are moving, you will want to start by finding areas that meet your criteria and then narrowing your search to particular properties in those areas.
The most efficient way to find homes is to allow Carrie to keep you up-to-date on available properties that meet your criteria, and then allow her to screen them for you. When Carrie presents you with a home that interests you, she can arrange for you to tour it at your convenience.