There are two important steps preliminary to becoming a homeowner. First you must find the right home and negotiate the price and terms with the sellers. Then you come to one of the most difficult parts of the transaction--finding the perfect loan.

You should do some comparison shopping among lenders. Your real estate agent can refer you to several reputable lending institutions which should be able to complete the loan process before your proposed financial approval date. The loan officer will take your application and have you sign all the necessary papers to authorize credit and employment verifications. You and the real estate agent should get periodic progress reports to make sure that all of the details are taken care of. Such reports will help to ensure that any potential problems are discovered and addressed before they can hinder the transaction.

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For Tammy Billings, a native of the area, what matters most are the simple things in life - family, friends, nature and living a life that is true to who you are deep down inside. Tammy believes in going the extra mile to show you care about people and treating others the way you’d want to be treated. Tammy’s attitude and work ethic is what has lead her to be a leading Greater Piedmont Area associate broker with over two decades of experience. Tammy has earned a reputation for her strong business insights, tenacity and refreshing positive attitude. Her constantly expanding expertise in the industry, knowledge of current market trends and awareness of available inventory. However, what her clients appreciate most is that she listens to their individual needs and doesn't use a cookie-cutter approach to meeting them. Real Experiences generate Real Results and this is what Tammy creates for her clients. When you are ready to get Real about your move contact Tammy Billings at 800-85-TAMMY!

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