256-926-9990
Making Home Dreams Happen
Simply The Best For The Best – YOU!
Making Home Dreams Happen
Simply The Best For The Best – YOU!
Meet the Broker
Ligia Roberts Broker/Owner
Originally from El Salvador, Ligia moved to United States to earn a graduate degree in business administration at Kaiser University.
This knowledge, has provided her with valuable skills that she uses daily in real estate negotiations, educating homebuyers and sellers,
and effectively marketing the listings. Ligia has been working in Alabama real estate for over 4 years. Her clients often describe her as detail-oriented, proactive, and fun to be around.
After living for many years in Atlanta, Ligia currently resides in Calhoun County with her husband, Marc Roberts and
3 kids: Kamila, Ainoa and Gabriel.
As a realtor, her first priority is to make her clients happy. She listens to her clients' wants and needs to achieve the best outcome in every transaction, and she strives to ensure that the buying or selling process is fun, easy, and stress-free. Her clients can count on her any time of day when they have a question or a concern. If you are looking for personalized service, with quality and honesty, Ligia is the right person to help you. With knowledge and excellent customer service, guarantee that your buying or selling process will exceed your expectations. She will make the process easy and effective. She will help you not only to find the best options that accommodates your needs, but also doing the negotiations required for you to obtain maximum benefit of your purchase. With attention to detail, willingness to go that extra mile to ensure success, and solid, transparent communication throughout the process, She will make the transaction less stressful for all parties involved. Each transaction is the beginning of a new chapter in a family's life. Families also need assistance as they get settled into their homes and in the years that follow. As your needs and circumstances change, she is always here to answer any questions that may come up and ensure to protect your investment. She will be right beside you through the whole process and navigate you through a smooth transition. She wants to be able to work with you and to make your dream a reality.
As the trusted real estate advisor for her clients, she understands that selling and/or buying a home is complex and deeply personal. There is also a lot at stake financially and personally. This perspective on the process and the responsibility felt towards her clients drives her to truly be an expert at the job. She understands the market, the players, and all of the variables involved a real estate transaction. She wants to make sure you feel supported and that you have a trusted advisor by your side. As a seller, you want to effectively and beautifully market the home and then negotiate to secure the highest possible price and cleanest term for the sale. As a buyer, you want a patient, yet partner to help to buy the right home for you, at the best possible price. Her reputation amongst her peers is as a well-respected industry innovator and early adapter of social media and digital marketing for real estate.
Pre-Qualification VS. Pre-Approval
Most real estate buyers have heard that they need to pre-qualify or be pre-approved for a mortgage if they're looking to buy a property. These are two key steps in the mortgage application process. Some people use the terms interchangeably, but there are important differences that every homebuyer should understand. Pre-qualifying is just the first step. It gives you an idea of how large a loan you'll likely qualify for. Pre-approval is the second step, a conditional commitment to actually grant you the mortgage. Pre-qualified or be pre-approved for a mortgage if they're looking to buy a property. These are two key steps in the mortgage application process. Some people use the terms interchangeably, but there are important differences that every homebuyer should understand. Pre-qualifying is just the first step. It gives you an idea of how large a loan you'll likely qualify for. Pre-approval is the second step, a conditional commitment to actually grant you the mortgage.
Pre-Qualified
Getting pre-qualified involves supplying a bank or lender with their overall financial picture, including debt, income, and assets. The lender reviews everything and gives an estimate of how much the borrower can expect to receive. Pre-qualification can be done over the phone or online, and there's usually no cost involved.
Pre-qualification is quick, usually taking just one to three days to get a pre-qualification letter. Keep in mind that loan pre-qualification does not include an analysis of credits reports or an in-depth look at the borrower's ability to purchase a home.
Pre-Approved
Getting pre-approved is the next step, and it's much more involved. The borrower must complete an official mortgage application to get pre-approved, as well as supply the lender with all the necessary documentation to perform an extensive credit and financial background check. The lender will then offer pre-approval up to a specified amount.
Going through the pre-approval process also offers a better idea of the interest rate to be charged. Some lenders allow borrowers to lock in an interest rate or charge an application fee for pre-approval, which can amount to several hundred dollars.
Lenders will provide a conditional commitment in writing for an exact loan amount, allowing borrowers to look for homes at or below that price level. This puts borrowers at an advantage when dealing with a seller because they're one step closer to getting an actual mortgage.
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