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Rufus Kelley,
Real Estate Agent

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2023013979

Making Realty a Reality

Hi, I'm Rufus Kelley (aka Ru The Realtor) a real estate salesperson
in the St. Louis area.

I'm passionate about helping people buy and sell homes, and I'm here to guide you through the entire process, from finding the perfect property to closing the deal. I have a deep understanding of the local market, and I'm committed to providing my clients with the best possible service.
 

Whether you're a first-time homebuyer, a seasoned investor, or looking to sell your home, I can help you achieve your real estate goals. I'm here to listen to your needs and advocate for your interests.
 

Contact me today for a free consultation. I'd love to learn more about your story and help you get started on your next chapter.

The Process

01

Assess Your Readiness

  • Finances: Estimate your budget by considering your income, debt, and desired down payment (ideally 20% or more). Aim for a debt-to-income ratio below 36%.

  • Needs & Wants: Define your must-haves and nice-to-haves in terms of location, size, features, and budget.

  • Lifestyle: Consider your commute, proximity to amenities, and future plans (e.g., family expansion).

02

  • Realtor: Find a licensed professional who understands your needs and guides you through the process.

  • Mortgage Lender: Choose a lender offering competitive rates and terms, pre-approving you for a specific loan amount.

  • Home Inspector: Schedule a professional inspection to identify any potential issues before purchase.

Build Your Dream Team!

04

03

Get Pre-Approved for a Mortgage

  • Submit your financial documents to a lender to determine your maximum borrowing capacity.

  • Pre-approval shows sellers you're a serious buyer and strengthens your offer.

House Hunting & Negotiation

  • Partner with your realtor to shortlist properties that meet your criteria.

  • Schedule viewings and be prepared to act quickly in competitive markets.

  • Understand market trends and research comparable properties.

  • Negotiate the offer price, contingencies, and closing date with your realtor's guidance.

05

Secure Your Loan

  • Finalize your loan application by submitting required documents.

  • Understand loan terms like interest rates, closing costs, and monthly payments.

06

Home Inspection & Appraisal

  • Schedule a professional home inspection to identify any potential repairs or issues.

  • Address any major concerns with the seller before closing.

  • The lender will order an appraisal to determine the property's market value.

07

Closing & Moving In!

  • Review and sign all closing documents, ensuring everything is accurate.

  • Pay closing costs and finalize the transaction.

  • Get homeowners insurance and finalize utilities before moving in.

  • Celebrate your achievement and enjoy your new home!

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