Buyers

 
 

Steps To Owning

Purchasing a home is one of the most EXCITING moments in your life! As a buyer, we will provide you with up to date information to find you the perfect home as well as negotiate the best deal possible! After a home is under contract, we will offer our expertise to make the transaction flow smoothly. This is accomplished by working closely with some of the BEST local professionals, from lenders to inspection companies. Purchasing a home with our highly productive team is a breeze!

Competition among buyers in many markets has become intense, so if you're serious about homeownership, it is important to be prepared and understand the home buying process. Below is a simple step-by-step outline to guide you through the path to home ownership!

 
 

STEP 1>>

Know Your Budget!

Compile a detailed list of your monthly expenses and income. This is a very important step that will give you a better idea of the price range to start your search for a new home! It is also a productive way to cut unnecessary expenses to allow you to save more money or expand your price range if needed.  

 

STEP 2>>

Find A Lender 

This is a vital step in the home buying process. We can help you select the right lender as we have established relationships with the BEST local mortgage professionals. After discussions with a mortgage professional, you will have a clear understanding of the best loan program for you, an accurate price range to search for homes, and the amount needed for down payment.

 

Clean up your credit

Now that you have a great lender, you can ask for guidance on any credit score issues you may be facing. Whether it’s a small or large problem, the lender can provide guidance to help repair your situation and make sure you'll be approved for a loan.

STEP 3>>

 

Apply for mortgage pre-approval

 Now that you have a great lender, you can ask for guidance on any credit score issues you may be facing. Whether it’s a small or large problem, the lender can provide guidance to help repair your situation and make sure you'll be approved for a loan. 

STEP 4>>

 

Create a home wish list

Once you know what your purchasing power is, talk with us about your ideal home. Come up with a few “musts,” as well as "wants" you’d ultimately be willing to compromise on. Think bigger than just the color of the kitchen or the floor plan. What is the most important factor to you?

For instance, do you have a specific neighborhood you want to live in? Do you prefer space between you and your neighbors? Or is proximity to a good school the most important factor?

STEP 5>>

 

Search the listings

Now comes the fun part: Setting up a search that meets your criteria. We will send you a list of current homes available and keep you up to date with new listings, price reductions, etc. When you begin touring homes that are on your short list, take along a notepad and jot down your thoughts as you approach each home. Can you imagine yourself living there? Examine them and make notes of likes and dislikes about each home.

STEP 6>>

 

Make an offer

Your real estate agent will walk you through the steps required to make an offer on a home in your area. The negotiating aspect of the deal is a thorough process, and no home or seller is the same! We will go in to more details on this once we find the home you want!

Your offer will likely include earnest money deposit that will apply toward your down payment on the home and may include contingencies such as hiring a home inspector, which we have you covered on selecting! Expect some negotiation, and discuss a competitive offer with your agent.

STEP 7>>

 

Do your due diligence

 Your real estate agent will walk you through the steps required to make an offer on a home in your area. The negotiating aspect of the deal is a thorough process, and no home or seller is the same! We will go in to more details on this once we find the home you want!

Your offer will likely include earnest money deposit that will apply toward your down payment on the home and may include contingencies such as hiring a home inspector, which we have you covered on selecting! Expect some negotiation, and discuss a competitive offer with your agent. 

STEP 8>>

 

Get final mortgage approval

Once your offer to purchase is accepted, you'll work with your lender to get final approval for your home purchase by the date specified for the closing. The lender may require you to pay property taxes or homeowners insurance for the first year at the time of closing, so make sure you know what funds will be expected.

STEP 9>>

 

Attend the closing

Once all of the above steps are completed, you’ll be on your way to the closing table. This is when the deed to the home is transferred from the seller to the buyer. An attorney or settlement agent will guide you through the process. Then you’ll officially be a homeowner and receive the keys to your new home. Congrats!

STEP 10>>

 

FIND MY DREAM HOME

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