Buying Process for Indianapolis Buyers

More Than Just a Realtor®

There’s always someone available to assist with home showings. I always have a team of amazing women who ensure you never miss a newly listed house.

I send out postcards and letters to your preferred areas, neighborhoods, and streets to find off-market homes for you.

I am connected to eight CENTURY 21 Scheetz offices with nearly 400 agents. We network through private social sites, office meetings, and emails to share upcoming listings and buyer needs. Additionally, I have long standing relationships with REALTORS® from other brokerages, which is a significant advantage in securing homes early on and increasing our chances of winning offers.

Before we start viewing homes, I will meet or chat with you to educate you about the market and strategize on preparing the best offer that meets your needs and timing.

I help you integrate into your community with recommendations for doctors, childcare, and other services to make your new place feel like home. My goal is to help you join a community, not just sell you a house.

I coordinate all necessary inspections throughout your sale and assist with estimates and repairs.

I have a network of contractors and vendors ready to ensure a smooth process, including home inspectors, movers, and any home maintenance or remodeling services you may need.

The Stacy Barry Difference

My involvement in running local school Facebook pages and community activities helps me connect with oﬀ-market properties.

I stay connected with you after closing, and my team hosts numerous fun events for our clients throughout the year.

I donate on your behalf to the community through SBT Cares, a branch of the CENTURY 21 Scheetz Foundation.

I continuously educate myself on the latest industry trends. I hold luxury marketing designations and have a special interest in lake homes and investment properties.

I love supporting local businesses, teachers, and women in business . I pride myself on inspiring young girls to follow their dream

I have relocation connections across the country and can help you find REALTORS® in other locations or assist you and your friends in moving to the area.

I leverage the newest technology to improve my business . My advanced CRM and online listing portfolio have transformed my operations, creating significant eﬃciencies . This means you receive timely updates on new listings and streamlined communication , ensuring you never miss an opportunity in this fast-paced market.

I provide solutions that other agents don’t, including temporary housing resources, relocation connections, and a wide array of vendors to get the job done quickly.

I Have Amazing Lender Connections

Prepare Financing
We have great lenders to connect you with to learn which loan types will work best for you!
- How much can you aﬀord?
- Check your credit
- Get pre-approved
- Save cash for a down payment and other expenses
Expenses to Anticipate
In order to make your dream of buying a home a reality, you will need to save cash.
- Earnest Money Deposit (1% of sales price)
- Down Payment (3.5% and 20% of the purchase price)
- Home Insurance
- Closing Costs (2% and 5% of the loan amount)
- Appliances and Furnishings
- Home Maintenance and Improvements
Mortgages

Pre-qualification is an informal you “might qualify for,” non-committal determination by the lender or mortgage broker.

Pre-approval is a formal determination in writing, subject to collecting all needed documentation, on a loan amount up to a specified amount from the lender or mortgage broker. You will receive a letter of pre-approval, which gives you more negotiating power and leverage over a buyer that is not pre-approved i.e. oﬀer subject to financing.
Research
- Find out if you qualify for a special loan, such as VA, FHA, or HUD home buying program.
- Request quotes from multiple lenders and comparison shop for loans.
- Get approved for a mortgage and receive your letter.

Financial To Do's

Do
- Notify your lender of any address change, whether it’s your home address or another listed on your application.
- Notify your lender of any salary or wage changes.
- Be prepared to provide proof of significant bank deposits.
- Acquire homeowner’s insurance immediately after going under contract.
- Keep all forms of dept paid and in check.
DON’T
- Make large purchases using existing credit without first taking to your lender.
- Apply for or acquire any additional lines of credit.
- Pay off, transfer, or close credit balances unless your lender instructs you to do so.
- Change jobs without first talking to your lender.
- Co-sign for another person seeking to obtain a line of credit or to make a purchase.
- Pay off collections before conferring with your lender.
Financial Items to Have on Hand
Here is a checklist of items that you can gather to ensure a smooth process later down the road.
A month’s worth of your recent pay stubs.

Copies of your federal tax returns and W-2s from the last two years.

The names and addresses of your employers over the last two years.

Last three months of bank statements.
A copy of your buyer’s agency agreement.

The names and addresses of your landlords over the past two years.

Divorce/separation decree and child support papers.

Bankruptcy, discharge of bankruptcy papers.

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