Thank you very much for taking the extra effort to make my first home purchase successful. Also, my kids are very happy with having their own rooms.  You really listened to what I wanted in my home and you found exactly what I was looking for.  I will definitely recommend you to my family and friends.

       --Darlene W.

Thank you for helping me find my first single family home.  Thanks for educating me about several home buying programs that was available at the time I was looking for my dream home. I really appreciated your time and patience throughout my home buying process. 

       --Keisha B.

If you are looking for a hard working and dedicated realtor with professionalisms, Patsy Mosley is the one for you.  She will definitely lookout for your best interest. Due to her years of experience in listing properties our dream of owning a single family home would not have happened.  Thanks for selling our townhouse so that we were able to buy our dream home. Thanks for taking such good care of us, we couldn't have done it without you!       

      --Debbie W.

Buyer/Seller Info

• Avoiding Financial Stress
• Build a Plan of Action and Get Ready
• Finding the Right Seller
• Getting a Legitimate Lender and Getting Pre-Approved
• Hot, Normal, and Cold Markets
• Importance of Inspection
• Is Buying a Home Still a Smart Plan
• Thinking About Buying a Foreclosure
• Use a Buyer's Agent
• Why You Should Not Make Any Major Credit Purchases

• Considering Offers
• Finding the Right Agent
• For Sale By Owner - A Good Idea
• Getting the Highest Price in the Shortest Time
• Insist on a Home Inspection
• Know Why You are Selling
• Making a Good First Impression
• Plan of Action
• Setting the Price
• What is a Short Sale Anyway

• Common Ways of Holding Title
• Condominium and PUD Ownership
• Environmental Issues
• Lead Poisoning
• Living Trusts
• Mechanics Liens
• Mello-Roos
• Radon
• Underground Heating Oil Tanks
• Understanding Foreclosures

• Closing and Title Costs
• Creative Financing
• Required Reporting to the IRS
• Statements of Information
• The Functions of an Escrow
• Title Insurance - Where Does Your Dollar Go?
• Title Insurance Requirements for Insuring Trusts
• Title Insurance When Refinancing Your Loan
• Understanding Preliminary Reports
• Understanding Title Insurance
• Why Do You Need Title Insurance

• Glossary of Real Estate Terms

• Adjustable Rate Mortgages - The Pros and Cons
• Adjustable Rate Mortgages-The Basics
• Closing Costs When Buying or Refinancing a Home
• Documenting Your Assets - Verifying Your Down Payment
• FICO® Score - a Brief Explanation
• FICO® Scores and Your Mortgage
• Items You Need When Applying For a Loan
• Land Contract
• The Advantages of Different Types of Mortgage Lenders
• The Biweekly Mortgage - Who Needs It?
• The No-Cost Thirty Year Fixed Rate Mortgage
• Types of Mortgage Lenders
• What's a FICO®?
• Where Does the Money Come From for Mortgage Loans?
• Which ARM is the Best Alternative?
• Your Savings and Down Payment, you have answers. Display the most frequently asked questions, so everybody benefits.