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Buying a Home with Steph Montgomery

Steph Montgomery takes the time to understand what matters most to you and guides you through every step with honesty, clarity, and local insight. Erie’s real estate market is unique, and having an agent you can trust and who is truly connected by your side makes all the difference.

Let's Connect

Buying a Home with Steph Montgomery

Steph Montgomery takes the time to understand what matters most to you and guides you through every step with honesty, clarity, and local insight. Erie’s real estate market is unique, and having an agent you can trust and who is truly connected by your side makes all the difference.

Let's Connect

Buying a Home in Erie, PA

Buying a home in Erie, PA is a big step. whether you’re a first-time buyer, relocating to the area, downsizing or upsizing, or moving within the community you already love. As a top-producing REALTOR® and lifelong Erie resident, Steph has helped countless clients find homes that truly fit their lifestyle. From lakefront properties to family-friendly neighborhoods in the many surrounding municipalities.

One of the biggest advantages of working with a local REALTOR® is truly knowing the area and that’s where Steph can make a difference. As someone who’s lived and worked in Erie, PA, their entire life, Steph understands the personality of each neighborhood, from the family-friendly feel of Millcreek to the lake views in Fairview and the energy of downtown Erie. By getting to know clients on a personal level, Steph can guide them toward the areas, schools, and communities that best match their lifestyle.

Beyond location, Steph keeps a close eye on Erie’s housing market trends to spot fairly priced homes, recognize good investment opportunities, and know when to move quickly (or hold off). My goal is to help every client make informed, confident decisions that feel right for them. After all, this is one of the largest decisions and investments that you will ever make.

What to Expect with Steph Montgomery

  • Honest advice (even if it’s not what you hoped to hear)

  • Calm and organized communication

  • Strategic thinking and attention to detail

  • Respect for your timeline and comfort level

  • A genuine partnership built on trust, not pressure

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Let's Dive into Home Buying

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Home Buying Process

Steph Montgomery lays out the process of buying a home in Erie, PA.

  • Start with a Real Conversation

    • We begin with a casual, no-pressure conversation. I prefer in person but can accommodate virtually.
    • I’ll ask about your goals, timeline, budget, lifestyle, and what “home” really looks like for you.
    • The goal: clarity first, not contracts. We take our time to iron out the deets before grinding.

  • Get Financially Prepared

    • I’ll connect you with trusted local lenders (if you don’t already have one). The lending process is VERY important and choosing a solid lender is important.
    • We’ll talk about pre-approval, your comfort level for monthly payments, and any first-time buyer or relocation programs you might qualify for.
    • This step ensures we’re searching within a confident, realistic range to eliminate surprises later.

  • Create Your Game Plan

    • Based on YOUR goals and pre-approval, I’ll design a search strategy that fits your lifestyle.
    • We’ll define your “must-haves,” “nice-to-haves,” and your deal-breakers.
    • I’ll set up personalized alerts so you see homes as soon as they hit the market

  • Tour and Evaluate Homes

    • I’ll walk you through each home with a trained, objective eye. I will point out pros, cons, and resale factors you might not notice.
    • My job isn’t to “sell” a house; it’s to help you make a clear and confident decision.

  • Create a Strong Offer

    • I’ll provide a full market analysis before you write to ensure your offer is competitive but smart.
    • I’ll handle strategy, negotiation, and communication with the listing agent, always advocating for your best interest.

  • Navigate Inspections and Details

    • Once under contract, I’ll guide you through inspections, repairs, and the appraisal process when applicable.
    • I’ll explain every document in plain language, and keep communication proactive. There should be no surprises on my end and no guesswork.

  • Prepare for Closing

    • I coordinate with your lender, title company, and attorney to keep things on track. This is often done behind the scenes but you will be informed every step of the way.
    • You’ll get a detailed timeline of what happens when. I want you to know exactly what to expect leading up to closing day.

  • Celebrate and Settle In

    • On closing day, I’ll be right there with you. Start to Finish.
    • Our relationship doesn’t end there (I hope!) I check in after closing to help with anything from local recommendations to home care tips.
    • My clients often become friends. This is my favorite part!

Your Erie, PA Real Estate Agent

Steph Montgomery is ready to guide you through the ins and outs of Erie real estate.

Call (814) 636-0436

Home Buying FAQs

Absolutely. Working with first-time home buyers in Erie, PA is one of my favorite parts of this job. I know how overwhelming the process can feel. I take the time to explain each step clearly, from getting pre-approved to closing day, while ensuring you can make confident, informed decisions.

First of all, I LOVE bringing people to Erie! Whether you’re moving to Erie for work, family, or a lifestyle change, I make the process as smooth as possible. I offer virtual consultations, video tours, and honest neighborhood insights so you can get a real feel for the area before you arrive. From timing your move to settling in, I’ll be your local connection every step of the way.

I serve all of Erie County, including Millcreek, Fairview, Harborcreek, Summit, North East, downtown Erie and the surrounding lakefront communities and outskirts. Each neighborhood has its own character and vibe. I love helping clients find the one that fits their lifestyle best.

Yes! Over the years, I’ve built strong relationships with trusted local home inspectors, title agencies, mortgage lenders and contractors. I’m happy to connect you with reputable professionals who share my commitment to excellent service and integrity. It doesn’t just stop at real estate ! My deep roots allow me to provide other insights outside of real estate.

Downsizing isn’t just about finding a smaller home. It is important to simplify life and create space for what matters most. I work closely with clients who are ready to make that shift, whether they’re moving from a longtime family home, relocating closer to loved ones, or trading yardwork for low-maintenance living. My role is to make the process feel manageable and positive. From helping you prepare your current home for sale to finding the right condo, patio home, or single-level layout, I’ll guide you through each step with empathy, patience, and a clear plan. I know how emotional this process can be! Erie offers wonderful options for downsizers. This can include maintenance-free communities to peaceful lakeview neighborhoods. I’m here to help you find a home that fits your next chapter perfectly.

What My Clients Are Saying

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Whether you're buying, selling, or seeking community support, sign up now to connect with Steph. Let's make your Erie dreams a reality together.

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