Let’s get to know each other! We’ll sit down and talk through the process of buying a home. We'll make a list of the amenities you desire in your new home so that we know EXACTLY what you're looking for. Maybe you want a guest bedroom on the first level, a 2 car garage or a finished basement... whatever it may be, we'll hone in the search and in the locations you love!
This will also be a great time to address any questions or concerns you have about the journey you are about to embark on. If your schedule is tight, we can also begin by connecting by phone, email or via a video chat - whatever works best for you!
We’ll provide you with several options of highly qualified mortgage lenders, who can help you determine your buying price range with confidence. Be prepared to dig into paperwork during this part of the process such as pay stubs, W2’s, and tax returns. The lender will do a full review and then tell you what you will be able to borrow in order to purchase a home. This is a vital step in the home buying process!
We will set up a custom search in our primary Multiple Listing Service where you'll receive daily email updates on new listings and price reductions based on your home wishlist.If you see any home that catches your eye, let us know. We will give you insight that may not be evident from the listing information. We aren't shy about sharing our opinions too. We are here to protect your interests and make sure you see some things you may be unaware of. Well, isn't that why you are hiring us? ☺️Good communication is so important to us. We want you to be comfortable and we want to be efficient so we can get you into the homes that are a perfect match! Be sure to let us know if one (or more) jumps out at you so that we can skip to the next step and schedule a viewing.
Here’s where the buying process gets really fun! We’ll go to local open houses together and schedule viewings of the homes that you’ve loved from our listing alerts. We’ll talk about how the budget will work and make sure that we find you the perfect home.
A little scary, but very exciting! Three things can happen when putting in an offer on a house:
1. The offer is accepted
2. The offer is rejected
3. You get a counteroffer
We’ll walk you through each of these possibilities and how to handle them. It's important to realize that your offer depends entirely on the marketplace. We will give you a sense of what similar listings in the area are selling for to help you craft the best offer. YOUR goal is our goal. We are expert negotiators and will strategize with you every step of the way! Once the offer is submitted, we will continue to advise you for next steps.
Once both sides have come to an agreement, you are officially "under contract." YAY!
Next comes the home inspection. According to our general Realtor contracts, homes are sold as-is, but buyers have the right to a home inspection. Getting a thorough home inspection is critical in the home buying process because it can help find common problems, malfunctions and defects in the property.
Simultaneously, you are working on your mortgage approval. The bank will send an appraiser to determine the appraised value of the home. The bank does this to ensure their loan is protected and that the home is worth what you are paying. Sometimes, market value and appraised value can be different. If there's a discrepancy, we will help advise you along the way. Once appraisal is complete and it "appraises", you'll be on the path to receive your final mortgage commitment.
Get excited because it’s time to close on your home! This process includes going through all of the final paperwork and signing your name (a lot!) on the loan documents assuming you are getting a mortgage. Your loan advisor will advise you a day before closing the exact amount you need to bring to closing as your final down payment. This will cover all of your closing costs too.
Throughout the process, we can recommend lenders, inspectors, real estate attorneys, and other professionals. Our many years of contractors and resources are your resources. Even after closing, you can on count us for reliable recommendations. As we said, we are committed to you from Day 1... until forever.
Congratulations, you’re a homeowner!
Let's grab a bottle of champagne and toast to your new home!