Your Perfect Home Vendor Referral Services

Vendor Referral Services

Your Perfect Home Brokered by eXp is a team of experienced realtors who offer top-notch vendor referral services to their clients. The team understands that buying or selling a home involves a multitude of tasks and services, and they aim to make the process as smooth as possible by providing vendor referrals for a range of services.

One of the key vendor referral services that Your Perfect Home Brokered by eXp provides is property staging. Property staging is the process of preparing a home for sale by making it look attractive and appealing to potential buyers. The team of realtors at Your Perfect Home Brokered by eXp has a network of trusted property stagers who can transform any home into a beautiful and inviting space that is sure to impress potential buyers. They will provide referrals for these vendors, making it easy for their clients to find the right professional for the job.

Another vendor referral service that Your Perfect Home Brokered by eXp provides is home inspections. Home inspections are an important step in the home-buying process as they help identify any potential problems with the property that may need to be addressed. The team at Your Perfect Home Brokered by eXp works with a network of trusted home inspectors and will provide referrals to their clients, making it easy for them to find a professional inspector who is knowledgeable and experienced in their field.

In addition to property staging and home inspections, Your Perfect Home Brokered by eXp also offers vendor referrals for a range of other services, including home repairs and renovations, legal services, and more. The team understands that every client is unique and has different needs, and they strive to provide personalized service that meets those needs.

One of the benefits of working with Your Perfect Home Brokered by eXp is that their network of trusted vendors is extensive and they have established relationships with them. This means that they can often secure better prices and more favorable terms for their clients, saving them time and money.

At Your Perfect Home Brokered by eXp, the team is always looking for ways to better serve their clients. They understand that buying or selling a home can be an overwhelming experience, and they strive to make the process as easy and stress-free as possible. By offering vendor referral services, they are able to take some of the burden off of their clients and help them navigate the real estate process with ease.

In conclusion, if you’re looking for a real estate team that can provide top-notch vendor referral services, then look no further than Your Perfect Home Brokered by eXp. The team is dedicated to making the process of buying or selling a home as smooth and stress-free as possible, and their network of trusted vendors is extensive, providing their clients with a range of services that cater to their needs. Contact Your Perfect Home Brokered by eXp today to learn more about how they can help you with your real estate needs.

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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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