By Tracey Henkels, February 16, 2023
Are you considering buying your first home? You need to live somewhere, so why not start investing in your future with home ownership?
Step 1:
Save money for your down payment. This can seem difficult or even impossible but it may be surprising that you need as little as 3% for your downpayment. Sure, 20% down is ideal but not necessary.
Step 2:
Make a connection with a local realtor who is referred to you by someone you trust. It’s never too early to connect with an agent, even if you are a year or more out from starting your home search. Many first time homebuyers don’t realize how many ways a skilled agent can not only guide you thru the entire purchasing process but can help you get prepared. Realtors are a valuable resource for buyers before, during and after your home purchase.
Step 3:
Talk to a highly recommended mortgage broker and apply for your pre-approval letter. If you aren’t quite ready, it’s OK! You can find out what you need to put in place to get your pre-approval letter in the future.
Tracey Henkels
Principal Broker | Earth Advantage | OR
She/Her
Tracey grew up rooted in the rhythms of her family’s Iowa apple orchard, where rising with the sun instilled a deep work ethic and a grounded, thoughtful approach to life. That Midwestern foundation shapes the values that Tracey brings to her clients: compassionate guidance, perseverance and a commitment to making a difference for the people she serves.
With a degree in Architecture from Iowa State University and six years of experience in the architecture field, Tracey has a keen eye for design and a deep understanding of how homes are built—literally and metaphorically. In 2004, she transitioned into real estate, combining her technical expertise with a passion for helping people find a sense of sanctuary and belonging.
Tracey is known for her integrity, patience, and optimism, making her a trusted advisor and advocate for our clients. She thrives on helping people navigate important transitions, whether buying their first home, selling a cherished property or finding the perfect place to put down long-term roots.
Tracey is deeply connected to her community and is passionate about making a meaningful impact beyond real estate. She’s been a resident of the Hosford-Abernethy neighborhood in SE Portland since 2002; you’ll often find her in her garden nurturing vegetables and flowers, hosting neighbors and friends, exploring Oregon’s great outdoors, or planning her next travel adventure. Through every step of her clients’ journeys, Tracey embodies the grounded guidance and thoughtful care that define Rooted Realty.
Tracey works as a team, alongside Kelsey Burkett, Broker Licensed in OR. You can read more about them on their website: Rooted Realty.- T: 503-715-6140
- traceyhenkels@gmail.com
