Buyers Guide
Steps to Buying Your Home - The home finding process typically includes many of the following elements. I understand that buying a home is a major decision for you that can be filled with concerns. My task is to help you find a home that meets your needs and to make the home buying process efficient, stress-free and successful. My goal is to help you find the right home. For additional information, or to get started, please contact me.
Initial Consultation
- Determine your needs and priorities
Review "agency" choices and select appropriate working relationship
Discuss financing options
Obtain Financing
Find a mortgage company
Consult with a loan officer
Pre-qualification
Complete loan application
Obtain loan pre-approval
Provide requested documentation
Finding the Right Home
Sales associate to show you properties based on your criteria
Evaluate each property with sales associate
Choose the right home
Preparing an Offer
Review comparable sales to determine offer price
Review progress of loan pre-approval; decide on financing
Decide on other terms (inspections, possession date, personal property, etc.)
Prepare earnest money deposit
Reaching an Agreement with a Seller
Present your offer
Negotiation of terms and possible counteroffers
Agreed-upon sales contract with seller
Completing the Settlement Process
Deposit of earnest money
Review seller's property disclosures
Review preliminary title report
Roof, termite and other inspections
Remove any remaining contingencies
Arrange for homeowners insurance
Arrange for home warranty
Arrange for movers
Final walk-through of property with sales associate
Provide balance of down payment and closing costs
Sign Documents
Loan Funding
Obtain Financing
Property appraisal
Loan processing
Final loan approval
Recording of title
Receive keys from sales associate
Move in!
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