Congratulations on your decision to purchase a home! There are many good reasons to buy a home including tax incentives and building your personal wealth. We are excited about the opportunity to help you make smart decisions and will be there every step of the way.
The typical real estate purchase involves at least two dozen individuals – insurance assessors, mortgage brokers and underwriters, inspectors, appraisers, escrow officers, buyer’s agents, seller’s agents, bankers, title researchers, and a number of other individuals whose actions and decisions have to be orchestrated in order to get a home sale closed.
Our Goal as your Buyer’s Agent (Guide) will be to:
- Educate you about your market.
- Listen and analyze your wants and needs.
- Show you homes that fit your criteria.
- Coordinate the work of other needed professionals.
- Facilitate your negotiations to your specifications.
- Check and double-check paperwork and deadlines.
- Solve any problems that may arise.
If you are a cash buyer you will simply need to provide proof of funds for the seller on your transaction. If you are going to obtain financing the time to do so is before you start shopping. You will need to:
- Choose a loan officer (or mortgage specialist). We can refer tried and true options.
- Submit a loan application and get preapproved.
- Determine what you want to pay and select a loan option.
- Submit to the lender an accepted purchase offer contract.
- Obtain an appraisal and title commitment.
- Obtain funding at closing.
Once Your Loan Options are Clear to you, then it is time to shop
After we find a property with you we will help you with your offer by providing a market analysis so that you will have a realistic approach to obtaining the home. Once you are under contract we will guide you through the inspection process. A detailed inspection will provide a better picture of what you are buying, before you buy it.
Once you have become familiar with the condition of the property and know that you want to pursue the purchase, your option period ends and the closing stage begins.
During this time the lender will confirm the home’s value and legal status, and your continued credit-worthiness. The lender will conduct a survey, appraisal, title search, and a final check of your credit and finances. We will keep you posted on how each is progressing. You will need to supply the lender with anything the underwriter may ask for.
- Don’t do anything that will impact your credit score. (no purchases)
- Return all phone calls and paperwork promptly.
- Communicate with us at least once a week.
- Several days before closing, confirm with us that all your documentation is in place and in order.
- Conduct a final walk-through.
- Obtain certified funds for closing.
With the guidance of a closing officer and us, you’ll sign documents that do the following:
- Finalize your mortgage.
- Pay the seller.
- Pay your closing costs.
- Transfer the title from the seller to you.
- Make arrangements to legally record the transaction as a public record.
We want to make sure that your closing will be a momentous conclusion to your home-buying process and a celebration of the start of your home-owning experience.
Protecting your investment
Attention to your home’s maintenance needs is essential to protecting the long-term value of your investment.
Home maintenance falls into two categories:
- Keeping it clean: Perform routine maintenance on your home’s systems, depending on their age and style.
- Keeping an eye on it: Watch for signs of leaks, damage, and wear. Fixing small problems early can save you big money later.
After you close on your house, we can still be of service by:
- Reminding you to file your Homestead Exemption when the time comes.
- Assisting with your first tax return as a home owner.
- Finding contractors to help with home maintenance or remodeling.
- Finding your friends and family homes.
- Keeping track of your home’s current market value.