Your Perfect Home Understanding Your Needs

Understanding Your Needs

Finding Your Perfect Home Brokered by eXp: Understanding the Client's Wants, Needs, and Desires

Buying or selling a property can be an exciting yet overwhelming experience, and that's why having a trustworthy and knowledgeable realtor can make all the difference. Your Perfect Home Brokered by eXp is a team of experienced realtors who understand the importance of listening to their clients and tailoring their services to meet their specific wants, needs, and desires. In this blog post, we'll discuss the key factors that contribute to Your Perfect Home's success in serving their clients.

First and foremost, Finding Your Perfect Home understands that every client is unique, and they take the time to get to know their clients and what they're looking for in a property. Whether it's a first-time homebuyer searching for the perfect starter home or a seasoned investor looking for a profitable rental property, Your Perfect Home takes the time to understand the client's specific needs and goals.

One of the ways Finding Your Perfect Home does this is by conducting thorough consultations with their clients. During these consultations, the team will discuss the client's budget, desired location, must-have features in a property, and any other important factors that will help them narrow down the search. This information allows Your Perfect Home to create a customized search plan that will help the client find their dream home or sell their property in the quickest and most efficient way possible.

Another important factor in Finding Your Perfect Home's ability to understand their client's wants, needs, and desires is their extensive market knowledge. The team stays up-to-date on the latest market trends and conditions to provide their clients with valuable insights and advice. This includes information on the local housing market, recent sales trends, and any potential opportunities or challenges that may impact their search.

Additionally, Finding Your Perfect Home leverages the latest technology to streamline the buying and selling process for their clients. From virtual property tours to online contract signing, Your Perfect Home uses technology to make the process as convenient and efficient as possible. They also use technology to keep their clients informed and up-to-date on the latest developments in their search or sale, ensuring that their clients are always in the loop.

Another key aspect of Finding Your Perfect Home's success is their strong network of industry professionals. Whether it's an experienced home inspector, a trusted mortgage lender, or a skilled contractor, Finding Your Perfect Home has a network of trusted professionals who can help their clients throughout the buying or selling process. This allows the team to provide their clients with comprehensive support and guidance every step of the way.

Finally, Finding Your Perfect Home is committed to providing their clients with exceptional customer service. They understand that buying or selling a property can be stressful, and they do everything in their power to make the process as seamless and stress-free as possible. From promptly answering their clients' questions to providing regular updates and communicating openly and honestly, Your Perfect Home goes above and beyond to ensure that their clients are satisfied with their services.

In conclusion, Finding Your Perfect Home Brokered by eXp is a team of experienced realtors who are dedicated to understanding their clients' wants, needs, and desires. Through thorough consultations, market knowledge, technology, a strong network of industry professionals, and exceptional customer service, Your Perfect Home is able to provide their clients with a customized and stress-free buying or selling experience. If you're in the market for a new property, consider working with Finding Your Perfect Home to find your dream home or sell your property with confidence.

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Buying A Home?

The experience of purchasing your first home should be a source of joy and fulfillment, leaving you with cherished memories to cherish in the years to come.

Selling A Home?

If you are contemplating selling your home in the near future, it's crucial to understand that today's housing market is truly exceptional and distinct from anything we've seen before.

Frequently Asked Questions

Why You Need a Realtor?

When buying or selling a home, there are so many options…which can also present a lot of obstacles. Laws change, forms change, and practices change all the time in the real estate industry. Because it’s our job to stay on top of those things, hiring a realtor reduces risk, and can also save you a lot of money in the long run.

When you work with me as your Realtor, you’re getting an expert who knows the area; knows how to skillfully guide your experience as a seller or buyer; can easily spot the difference between a good deal and a great deal. My job is to translate your dream into a real estate reality, and I work hard to earn and keep my business. This also means earning your trust: When you work with me, you’ll be working with a realtor who looks out for your best interests and is invested in your goals.

Which loan should you choose?

There are two different types of loans conventional loans and government-backed loans. The main difference is who insures these loans:

1 - Government-backed loans (FHA, VA and USDA):

(a) - Are, unsurprisingly, backed by the government.

(b) - Include FHA loans, VA loans, and USDA loans.

(c) - Make up less than 40 percent of the home loans generated in the U.S. each year.

2 - Conventional loans:

(a) - Are not backed by the government.

(b) - Include conforming and non-conforming loans (such as jumbo loans).

(c) - Make up more than 60 percent of the loans generated in the U.S. each year.

What is the difference between FHA, VA and USDA loans?


FHA loans, which are insured by the Federal Housing Administration, are typically designed to meet the needs of first-time homebuyers with low or moderate incomes. FHA loans can be approved with a down payment of as little as 3.5 percent and a credit score as low as 580.

FHA loans are often called “helper loans,” because they give a leg up to potential borrowers who may not be able to secure one otherwise. For this reason, FHA loans have maximum lending limits, which are determined based on housing values for the county where the for-sale home is located.

Because the agency is taking on more risk by insuring FHA loans, the borrower is expected to pay mortgage insurance both at the time of closing and on a monthly basis, and the property must be owner-occupied.


VA loans are backed by the Department of Veterans Affairs and they are guaranteed to qualified veterans and active-duty personnel and their spouses. VA loans can be approved with 100 percent financing, meaning VA borrowers are not required to make a down payment.

Unlike FHA loans, borrowers do not have to pay mortgage insurance on VA loans.


You may also hear about USDA loans, which are backed by the United States Department of Agriculture mortgage program. USDA loans are intended to support homeowners who purchase homes in rural and some suburban areas. USDA loans do not require a down payment and may offer lower interest rates; borrowers may have to pay a small mortgage insurance premium in order to offset the lender’s risk.

What’s a conventional loan? Understanding what it means to be conforming and non-conforming

Buyers who have a more established credit history and a larger down payment may prefer to apply for a conventional loan. These loans may offer a lower interest rate and only require the home buyer to purchase monthly mortgage insurance while the loan-to-value ratio is above a certain percentage, so a conventional loan borrower can typically save money in the long run.

Conventional loans are divided into two types: Conforming loans and non-conforming loans.


Conforming loans are those that meet (or conform to) predetermined standards set by Fannie Mae and Freddie Mac — two government-sponsored institutions that buy and sell mortgages on the secondary market. By selling the loans to "Fannie and Freddie," lenders can free up their capital and return to issue more mortgages than if they had to personally back every loan that they approve.

The main standard for conforming loans is that the amount borrowed must be under a certain amount; in Alaska, a single-family home loan must be under $647,200 in order to be considered conforming.

Properties with more than one unit have higher limits.


But what happens if a borrower wants to borrow more than the Freddie- and Fannie-approved loan amount? In this case, they would have to apply for a “jumbo loan,” which is the most common type of non-conforming loan.

Because the lender cannot resell the jumbo loan (or any non-conforming loan) to Freddie Mac or Fannie Mae, jumbo loans are considered to be riskier than a conforming loan. To protect against this risk, the bank will typically require a higher down payment; the interest rate on a jumbo loan may also be higher than if the same borrower applied for a conforming loan.

What kind of rate should I choose?

Rate types: Fixed-rate vs. adjustable-rate mortgages.

In addition to the loan type you choose, you’ll also have to determine if you want a fixed-rate mortgage or an adjustable-rate mortgage (ARM). A fixed-rate mortgage has an interest rate that does not change for the life of the loan, so it provides predictable monthly payments of principal and interest.

An adjustable-rate mortgage typically offers an initial introductory period with a low-interest rate. Once this period is over, the interest rate adjusts periodically, based on the market index. The initial interest rate on an ARM can sometimes be locked in for different periods, such as one, three, five, seven, or 10 years. Once the introductory period is over, the interest rate typically readjusts annually.

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