welcome to my world
Before my grandmother passed away, she told me that of all her offsprings, I was the one that she never had to worry about. I heard her, but never took the time to truly listen to what that meant. Now, I get it!
My name is Toccara Hill and let me personally welcome you to my world.
Through the years, I have worn a lot of hats and mastered a lot of skills. This website is designed to be an outlet for my thoughts, my knowledge, my passions & my talents. Once you enter my realm, get ready for all things Toccara Hill.
My #1 goal is to educate. Whether you’re looking for hair tips or real estate advice, feel free to use my world as your resource. I don’t claim to know it all, but, as a successful entrepreneur in several industries including retail, beauty & real estate, it might be worth the look. Enjoy~
Yes, I am a real estate Broker! A house is not an impulse purchase; you can't just waltz in and declare "I'll take it!" —There are a few things one must understand. Overwhelmed? Here's a checklist of everything you need to do to get ready to buy a home.
Check your credit score
DO NOT start browsing homes until you have checked your credit score. This is the number that mortgage lenders will look at to determine whether you are “creditworthy,” and thus dictates the rates you will get. The higher your credit score, the lower your interest rate—and that’s what you’re going for.
Clean up any credit blemishes you can
Any surprises on that report? Credit errors are more common than you might think, so contact the credit bureau to correct any erroneous information.
Figure out how much home you can afford
Make sure you are clear on how much home you can afford. Check out our calculator that lets you determine your monthly mortgage payment, adjusting for variables such as the size of your down payment, your mortgage type, and current interest rates.
Secure mortgage pre-approval
A pre-approval is required for a seller to take your offer seriously. That’s because it spells out exactly how much a lender has agreed to loan you, thus assuring the seller that you’re both willing and able.
Save up for a down payment
You'll need to make at least a 3.5% down payment on a home. That does not include other fees such as inspection, attorney fee, and misc. fees. Sit tight!
“Do not switch jobs. Do not buy a new car. Do not even buy furniture or apply for a new credit card. "Just a credit pull alone from a store is enough to affect your credit score and could cause you to lose your dream home."
Find a real estate agent
Contact me to help you on your journey.
Make a wish list
Divide your list into three categories: Those non-negotiable elements, followed by items that would be nice to have (a bonus room or home office) and your dream features (in-ground swimming pool).
Check out the Neighborhood
“Location, location, location.” What that essentially means is that you’re not just buying the property you’re looking at; you’re also buying into the whole neighborhood. That’s why you have to be certain that it has the vibe you want.
GET IN TOUCH
Due to the volume of mail received, unfortunately not all messages will receive a response, and mass messages and/or unaddressed or incorrectly addressed messages will not receive a response. Responses are traditionally received within 24 to 48 hours.
Thank you for your patience.