Michelle LaShay Williams

Find Out Now Your Dream Home

Michelle LaShay Williams

Languages Known: English

Specialties: MIL, FIRST, RENT, NEW, CON

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Michelle LaShay Williams

Michelle LaShay Williams, a dynamic individual with a passion for real estate, insurance, and literature, brings a wealth of experience and expertise to the world of real estate. Michelle has cultivated a diverse and accomplished background that reflects her commitment to personal growth and professional success.

As a passionate real estate agent, I am dedicated to guiding first-time homebuyers and assisting veterans in their homeownership journey. With a focus on providing exceptional service and a deep understanding of the complexities involved in both first-time homebuying and VA loans, I strive to make the process smooth and rewarding for my clients. Helping first-time homebuyers achieve their dreams is a true privilege for me. I understand the excitement, as well as the uncertainties that come with purchasing a home for the first time. That's why I take the time to educate my clients about the entire homebuying process, from navigating the market to securing financing. I provide valuable insights, resources, and personalized guidance every step of the way, ensuring my clients feel confident and well-informed in their decisions. Additionally, I specialize in assisting veterans through the VA loan program.

Building strong relationships with my clients is at the heart of my business. I take the time to understand their unique needs, preferences, and financial situations, allowing me to tailor my services to their specific requirements. I am genuinely invested in their success, and I go the extra mile to ensure their interests are protected throughout the buying process. If you are a first-time homebuyer or a veteran seeking guidance on purchasing a home, I would be honored to assist you. Let's embark on this exciting journey together, as I leverage my expertise, market knowledge, and unwavering dedication to finding the perfect property and financing solution that aligns with your goals. Feel free to contact me. I look forward to the opportunity to work with you and help make your homeownership dreams a reality.

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Buying A Home?

Buying your first home should be a rewarding and exciting time in your life, and one that you look back on with fond memories.

Selling A Home?

If you’re selling your home right now, or thinking about doing it soon, you should know that today’s housing market is unlike anything.

What My

Clients Say

Michelle was absolutely wonderful in helping me find my place! She responded quickly and made sure I was taken care of! I would recommend her to anyone hands down.

Michelle

Williams

Michelle was the best realtor I’ve met, she was professional and personable, and she never made us feel pressured. she was always on top of her stuff and she made it a priority to take care of us and we will forever be grateful for her and will be recommending her to anyone that’s in need of a top tier realtor!

Michelle

Williams

I had a great experience with Michelle! She was very quick to respond and made the whole process easy.

Michelle

Williams

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Frequently Asked Questions

Why do 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?

1 - FHA 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.

2 - VA LOANS:

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.

3 - USDA 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.

1 - 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.

2 - NON-CONFORMING (JUMBO) LOANS:

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 you 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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