The Buying Process
Buying a home can be an exciting and emotional experience. As local experts, you can rely on our team to guide you through the process so you can feel comfortable and confident each step of the way.
Get Pre-Approved
The first step to buying a home is to understand your buying power and establish a price range. A licensed lender can help evaluate your financial standing and provide a pre-approval. They will review your income and credit history to determine how much the bank will lend you, which will help you determine the price range for your search. Having a pre-approval letter in-hand can also increase the attractiveness of your offer, particularly when a seller has multiple offers to choose from. I have great lender recommendations!
The Home Search
This is the fun part! You can start your search for the perfect home right here with up-to-date MLS listings in your favorite neighborhoods. Create your free account to save your favorite properties, request showings and more! As your REALTOR®, I will also search for homes on your behalf. When you find a few homes that you like, you will start visiting open houses and touring homes with me to narrow down style, location, and price.
Making An Offer
You’ve found your dream home! When you're ready to move forward with a purchase, I will advise you on constructing the strongest offer possible. Then I will draw up the necessary paperwork on your behalf. There is a lot to consider when making an offer. We'll discuss the purchase price, the closing date, sale contingencies and any special stipulations for your particular purchase. Once an offer is submitted, the seller may accept, reject or counter the offer. If the seller returns a counter, we will enter a negotiation period until an agreement is reached, or the offer is rejected by either party.
Going Under Contract
If your offer is accepted, you will be officially under contract. The purchase will not be complete until closing, but the home cannot be sold to anyone else while the contract remains in effect. At this point it will be time to make an earnest money deposit and, unless you are making a cash purchase, secure your mortgage loan. Lenders offer a wide range of loan programs, so it's important to work with a lender you trust to help you determine the best loan for your specific circumstances.
Home Inspection
Inspecting the physical condition of your next home is a vital part of the home-buying process. A licensed home inspector will conduct a comprehensive evaluation of the entire property and report any problems with the condition of the home's structure and systems. These reports usually make it sound like the house is about to fall down. Don’t worry, it probably isn’t and your agent will help you navigate this process. This typically involves a second round of negotiations for repairs.
Home Appraisal
Your lender will arrange a professional appraisal of the home. An appraisal is an unbiased estimate of the true (or fair market) value of a home and is conducted by an independent third party. The appraiser will confirm the appraisal value of the property for all parties involved. If the home appraises at less than the expected value, you may have the option to renegotiate the purchase agreement or terminate the contract.
The Final Walkthrough
Time to celebrate! Your lender will provide a final closing disclosure that summarizes the loan terms, monthly payments, taxes, and other costs associated with the closing. They will also confirm that you are clear to close, and you will sign all of the paperwork required to complete your purchase and loan agreement. Once the paperwork is signed by all parties and your loan is funded, you will receive keys, and you'll be ready to move into your new home! Time to update your address & invite your REALTOR over for drinks!
A few things to mention: You will need to bring a valid ID to closing. No personal checks will be accepted; you will either wire your funds or bring a cashier's check. Wire fraud is real. Do not send wiring instructions to anyone without calling them first. Possession isn't always upon closing and funding; sometimes there is a leaseback.
Closing!
Time to celebrate! Your lender will provide a final closing disclosure that summarizes the loan terms, monthly payments, taxes, and other costs associated with the closing. They will also confirm that you are clear to close, and you will sign all of the paperwork required to complete your purchase and loan agreement. Once the paperwork is signed by all parties and your loan is funded, you will receive keys, and you'll be ready to move into your new home!
A few things to mention: You will need to bring a valid ID to closing. No personal checks will be accepted; you will either wire your funds or bring a cashier's check. Wire fraud is real. Do not send wiring instructions to anyone without calling them first. Possession isn't always upon closing and funding; sometimes there is a leaseback.
Tools For Buyers
Home Search
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Featured Listings
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