4 Steps for Buying a Home

Thinking about buying a home? Check out these 4 tips to get started.

4 Steps for Buying a Home

buying a home


Thinking about buying a home? Check out these 4 tips to get started.

Take a look at your finances.

Unless you are lucky enough to have cash on hand to purchase your new home, you need to start by looking at your credit. You can obtain a copy of your credit report online. Once you have your report, check it over carefully and fix any issues you may find.  

Next, find a reputable lender and get preapproval for your loan. Currently, the real estate market is very fast-paced and fluid. The most sought-after listings sometimes sell on the first day. Having your financing in order will help you stay competitive in today's seller's market.

Determine your needs and budget.

It's important to remember there is a difference between how much you can borrow and how much you should borrow. Multiple websites offer online calculators to help you determine your housing budget. Don't forget there are several factors besides just sticker price to consider: property taxes, energy costs, HOA dues, cost to commute, etc.   After you have an idea of your budget, make a list of the non-negotiable features.  How many bedrooms do you really need?  Is a fireplace absolutely mandatory?  Do you prefer an open floor plan?  What part of town do you want to live in?  Figure out what you consider a must vs what you could live without.  This will really help narrow down your search.

Hire an agent.

In today's world, more and more buyers are house shopping online.  

While the web gives buyers unprecedented access to home listings and resources, many aspects of the buying process require a level of expertise you can't get from an app or online. That's why you are better off hiring an agent to guide you through the process. Typically agent commissions are paid by the seller, letting you gain their expertise for free!

Think long term.

When selecting your home, consider not just your own long-term plans but what the resale value will be when you sell. Consider crime rates, incoming developments, land values, and the school district. Even if you don't have kids or these things aren't important to you, they affect the long-term value. These are all topics a good agent can help you sort through.  

Whether you are a first-time homebuyer or a seasoned expert, Ramseier Group would love to help you with your real estate purchase. Call 816.262.8077 today for your zero-pressure consultation.


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What Our Clients Say About Us...

5 star reviewed Realtor St. Joseph, MO

Lorrie is the best realtor in town. She and her staff were very helpful from beginning to end. We will recommend Ramseier Realty Group to all our friends!

Connie Whitsitt

2 years ago

5 star reviewed Realtor St. Joseph, MO

Both Lorrie & Jan were SO awesome to work with during our selling and buying process! They are so friendly, willing to help, and really went above and beyond for us to make sure we had the answers we needed to all of our questions. Both of them were so patient and eager to make sure that we were happy, well informed and didn't feel any pressure. We can't thank them enough!!!

Betsy Davis

4 years ago

5 star reviewed Realtor St. Joseph, MO

Lorrie and the team did a great job!

Kelly Adkins

9 months ago

5 star reviewed Realtor St. Joseph, MO

The whole team did an excellent job helping us to find our new home! Everyone was friendly and professional. They were very quick to respond to any questions or concerns that we had. Thank you so much!

Mary Wood

3 months ago

5 star reviewed Realtor St. Joseph, MO

She was great, would recommend her team to anyone. She helped sale our house and our land/lot. Both sold within days without any glitches. Couldn’t be happier or more pleased with how her team performed.

zuser20140308190936384

12/06/2018

5 star reviewed Realtor St. Joseph, MO

I needed a quick sale and Lorrie came through! Property was under contract in five days! A small inspection issue was fixed, and closing went off without a hitch. Having never bought or sold real estate before, I was scared as could be. Lorrie’s expertise and reassurances kept me sane. Sandi’s Extraordinary organizational skills kept me abreast of “what’s next?” the whole way though. Thanks so much!

911 bradh

06/12/2019

5 star reviewed Realtor St. Joseph, MO

Lorrie is awesome, she made the selling of my home easy and removed the stress by handling everything in a timely manner. She took time out of her schedule to just check on me to see how everything was going. She is a great realtor

anagle70

06/19/2018

5 star reviewed Realtor St. Joseph, MO

Lorrie Ramseier has been helping me find a home from August 2017 to May 2018. I can not recommend her and her staff high enough. She went above and beyond for us. I told her the street and several homes that I would like to own, but were not for sale. She made inquiries to those homeowners to find out if they might sell. Although, they did not, I appreciated the effort. Sometimes we worked with Emily and she was great. They were prompt with email and phone call responses and always upbeat and pleasant. What we appreciated the most was her knowledge and professionalism. I would use them again in a heartbeat, if necessary.

tonyferguson80

05/24/2018

5 star reviewed Realtor St. Joseph, MO

Sold our house in 4 days! Ramseier realty is passionate, prompt and ready to do business.

Alexis C.

03/15/2017

5 star reviewed Realtor St. Joseph, MO

Lorrie is one of the kindest and most personable people I’ve met. She was easily accessible when we needed her and always made sure our needs were met. We had the best experience selling our home thanks to Lorrie and her group.

MaKayla B.

09/29/2018

5 star reviewed Realtor St. Joseph, MO

Loved working with Lorrie and Emily! Professional, friendly and efficient. The photos Lorrie had done for the sale of my home were amazing, sold my house less than 48 hours after being listed!

Leslie D.

11/05/2018

5 star reviewed Realtor St. Joseph, MO

She is an amazing realtor! One who is more than a realtor, but in who is sincere, and goes more than the extra mile, to find your New Home, and or Business location!

Ana-Maria K.

03/03/2020

5 star reviewed Realtor St. Joseph, MO

Lorrie is great to work with and worked hard to assist in the sale of my home. She has since helped my son and a fried of my son purchase there first homes. Lorrie worked with them through the first time buyers programs to choose what worked best for them and educated them on the differences. Thanks for all the help!

jdavies8

06/28/2016

5 star reviewed Realtor St. Joseph, MO

Sold our house in 4 days! Ramseier realty is passionate, prompt and ready to do business.

Alexis C.

03/15/2017

5 star reviewed Realtor St. Joseph, MO

Great service! These gals go above and beyond to make your experience smooth and seamless, whether you are buying or selling your home. Call them for your real estate needs, you will be glad you did!

Renee F.

07/13/2017

5 star reviewed Realtor St. Joseph, MO

Lorrie and her team are the best!! Very professional, friendly and they get the job done.

Marcy Rodgers H.

07/13/2017

5 star reviewed Realtor St. Joseph, MO

Lorrie is one of the kindest and most personable people I’ve met. She was easily accessible when we needed her and always made sure our needs were met. We had the best experience selling our home thanks to Lorrie and her group.

MaKayla B.

09/29/2018

5 star reviewed Realtor St. Joseph, MO

Loved working with Lorrie and Emily! Professional, friendly and efficient. The photos Lorrie had done for the sale of my home were amazing, sold my house less than 48 hours after being listed!

Leslie D.

11/05/2018

5 star reviewed Realtor St. Joseph, MO

They worked great with my work schedule. Always friendly and out going

Lori S.

09/07/2019

5 star reviewed Realtor St. Joseph, MO

She is an amazing realtor! One who is more than a realtor, but in who is sincere, and goes more than the extra mile, to find your New Home, and or Business location!

Ana-Maria K.

03/03/2020

5 star reviewed Realtor St. Joseph, MO

Lorrie and her staff listed our home for sale on a Friday afternoon and had an accepted full offer the very next day! From a seller's perspective, how could anyone ask for better results! Lorrie first impressed me when she was the first to call me back after leaving messages with three other Realtors. I knew at that time, that she was sincere, motivated and wanted our listing! If I had another home in the area, there would only be one call to make to have my home listed and that would be with Lorrie at Keller Williams!

edwardjirvine

04/06/2018

5 star reviewed Realtor St. Joseph, MO

Lorrie Ramseier has been helping me find a home from August 2017 to May 2018. I can not recommend her and her staff high enough. She went above and beyond for us. I told her the street and several homes that I would like to own, but were not for sale. She made inquiries to those homeowners to find out if they might sell. Although, they did not, I appreciated the effort. Sometimes we worked with Emily and she was great. They were prompt with email and phone call responses and always upbeat and pleasant. What we appreciated the most was her knowledge and professionalism. I would use them again in a heartbeat, if necessary.

tonyferguson80

05/24/2018

5 star reviewed Realtor St. Joseph, MO

Lorrie is awesome, she made the selling of my home easy and removed the stress by handling everything in a timely manner. She took time out of her schedule to just check on me to see how everything was going. She is a great realtor

anagle70

06/19/2018

5 star reviewed Realtor St. Joseph, MO

She was great, would recommend her team to anyone. She helped sale our house and our land/lot. Both sold within days without any glitches. Couldn’t be happier or more pleased with how her team performed.

zuser20140308190936384

12/06/2018

5 star reviewed Realtor St. Joseph, MO

If you are looking for a great real estate agent look no further than Emily Creal. She was our “life saver” during the purchase of our new house and took so much stress out of the equation. Emily was so helpful & pleasant to work with and kept us in the loop with every step. Highly recommended!

lisaindm

12/12/2018

5 star reviewed Realtor St. Joseph, MO

I needed a quick sale and Lorrie came through! Property was under contract in five days! A small inspection issue was fixed, and closing went off without a hitch. Having never bought or sold real estate before, I was scared as could be. Lorrie’s expertise and reassurances kept me sane. Sandi’s Extraordinary organizational skills kept me abreast of “what’s next?” the whole way though. Thanks so much!

911 bradh

06/12/2019

5 star reviewed Realtor St. Joseph, MO

Lorrie and her team were outstanding and I am so glad that we selected her agency to list our home. Everything Lorrie did was 5-star worthy. She presented a compelling analysis and recommendation on our listing price, she and her team were very accessible, very professional and it was a true joy to work with them. Lorrie went above and beyond on many occasions, she has excellent connections and resources which we used from closing agents, to electricians and plumbers. As the seller, she excelled in the "selling" process especially the negotiation and working to get multiple offers. She never took the easy road, always the road that provided the best outcome. Anyone can list and sell a home, but few can make the process seamless and get the absolute best price for the seller....If you are listing, you can't go wrong with Lorrie.

johntinnj

12/04/2020

5 star reviewed Realtor St. Joseph, MO

I recently listed and sold my home with Ramseier Realty Group. We received multiple offers and had it under contract within a month. Lorrie and her team are attentive and truly care about their clients' best interests. I would recommend this realty team to anyone!

Diedra Summers

2 years ago

5 star reviewed Realtor St. Joseph, MO

Words cannot describe how well we were guided through the entire process of selling our home and purchasing a new one. Every detail was attended to and negotiations were professionally carried out. We were always confident that we were well taken care of.

MikeRuth Weese

2 years ago

5 star reviewed Realtor St. Joseph, MO

Both Lorrie & Jan were SO awesome to work with during our selling and buying process! They are so friendly, willing to help, and really went above and beyond for us to make sure we had the answers we needed to all of our questions. Both of them were so patient and eager to make sure that we were happy, well informed and didn't feel any pressure. We can't thank them enough!!!

Betsy Davis

4 years ago

5 star reviewed Realtor St. Joseph, MO

We met Lorrie for the first time at a property she was listing and new right away she was a person of integrity and someone we could trust to sell our home and lead us to a great new place. She did not disappoint. Throughout the process she continued to show us that she was always on top of things. Thanks Lorrie for all you did and for helping us to enjoy the process.

Rodney Mollus

4 years ago

5 star reviewed Realtor St. Joseph, MO

Lorrie is by far the best realtor I have ever worked with. Her staff and herself are easy to get a hold of and promptly answer any questions. She has been a blessing to myself and my parents that also just bought a home with her help.

Amanda Wheeler

3 years ago

5 star reviewed Realtor St. Joseph, MO

Lorrie and I are working on finding me a house in St Joseph. She went out on Superbowl Sunday in 3 degree weather to show me a house. I am an out of state buyer. Unbelieveable. Can't ask for a better realtor.

Debbie V

11 months ago

5 star reviewed Realtor St. Joseph, MO

Lorrie was absolutely essential to our purchase of our dream home. We were at a stand still and Lorrie represented us perfectly. We have and will continue to recommend her to anyone who wants an awesome advocate in the business of real estate. We love her and cannot thank her enough for all she did for our family. Call her! You will not regret it!

Thetaverse

4 years ago

5 star reviewed Realtor St. Joseph, MO

Lorrie and her team are awesome! They think of everything and are so helpful as you are in the middle of chaos trying to sell, pack, buy and move. Lorrie or someone from her team will walk you through the whole process before you start to give you an idea of how they run things. The pictures they post are great and really show off your home. Couldnt think of going with anyone else!

Matthew Wieners

a year ago

5 star reviewed Realtor St. Joseph, MO

Jan was very helpful and professional. She was patient with us as we look at a LOT of homes, and was there for us through the entire process - from putting in the offer all the way to closing!

Andy Arends

4 years ago

5 star reviewed Realtor St. Joseph, MO

Amazing professional but also personal service. This company has been there for us even after the purchase of our dream home

Rachel Rieger

a year ago

5 star reviewed Realtor St. Joseph, MO

Just sold our home very quickly, and with no problems. Lorrie and her team were the best! They kept us up to date, were very professional, and were absolutely great to work with. My husband and I highly recommend these folks to anyone looking for a realtor!

Eudora Guinn

a year ago

5 star reviewed Realtor St. Joseph, MO

Lorrie is the best realtor in town. She and her staff were very helpful from beginning to end. We will recommend Ramseier Realty Group to all our friends!

Connie Whitsitt

2 years ago

5 star reviewed Realtor St. Joseph, MO

It was a better experience than we could have even asked for. The entire team walked us through every step of the process. They were all very kind and professional. To everyone who helped our church find its new home; THANK YOU!

Josh Coverett

a week ago

5 star reviewed Realtor St. Joseph, MO

The whole team did an excellent job helping us to find our new home! Everyone was friendly and professional. They were very quick to respond to any questions or concerns that we had. Thank you so much!

Mary Wood

3 months ago

5 star reviewed Realtor St. Joseph, MO

Recently purchased a home in record time. Lorrie and her team delivered on finding the best value and listening to my requirments. I strongly recomment Ramseier Realty Team to handle all of your real estate transactrions.

Rob Buehler

a year ago

5 star reviewed Realtor St. Joseph, MO

My wife and I couldn't be happier with our first home buying experience with Ramseier Realty. Excellent communication, great time management and personal attention that exceeded our expectations. We will be recommending them to all of our friends and family. A++

William Burnich

4 years ago

5 star reviewed Realtor St. Joseph, MO

Thank you to the Ramseier team for all you did to make our house purchase effortless. This house will be an amazing addition to the Pivotal Point ministry.

Melissa Frakes

6 days ago

5 star reviewed Realtor St. Joseph, MO

The Best realtorty group that I've worked with, responsive, brings us what we asked for and showed us many houses before we finally got what we wanted. Sold our house for what we wanted and made sure the deal went through.

Daniel Hess

a year ago

5 star reviewed Realtor St. Joseph, MO

Lorrie and the team did a great job!

Kelly Adkins

9 months ago

5 star reviewed Realtor St. Joseph, MO

Lorrie is the best realtor in town! With her passionate, prompt, competitive and knowledgeable experience she sold our house sold in just 4 days. If you want a quick sale or a devoted realtor to find a new home, she's your gal!

Alexis Conner

4 years ago

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