When working with us to purchase your new home you will receive personal attention, constant communication and professional service. Together we will navigate through the market and find that perfect home!!
To get started, get your credit and finances in order. In most cases you will need at least 3.5% of the purchase price as down payment and plan another 3% in closing costs and prepaids. You need to contact a reputable, experienced and ethical lender. Make sure your you feel comfortable and your lender takes time to listen to your needs. She will be the one to discuss current loan rates, types of loan programs available for your situation. She should be able to discuss the pro’s and con’s of each program. This is an essential step, purchasing a home can be emotional and will be time consuming.
Have faith in your team and it will all work out.
What to Expect During the Buying Process
Your search.
Share your needs and wants with me, including bedrooms, baths, floorplan, location and price range. Also, register and save your search criteria by using our Map and Advanced Home Search together we will find homes to tour. Do not try to love everything, you will know it’s the home for you.
Make an offer.
You’ve found the one you love, now it’s time to make an offer. Our experience is a must when negotiating offers. It’s important to be aggressive but realistic, it must be a “win win” or neither party will agree.
Offer is Negotiated and Accepted
Congratulations! You have a contact pending! Your earnest money will now be deposited and applied at closing to your balance due. Schedule your inspections and call your insurance agent.
Inspection and Insurance
A professional inspection is done within 2 weeks of the effective date. This will let you know if there are any issues with the property. Alert your insurance agent that you will be purchasing a new home. This is the best time to ensure the home is insurable. Your insurance agent will also need to get in contact with your lender to set up your insurance escrows and insure coverage beginning the day of closing.
Complete your mortgage loan.
Work with your lender to complete the formal loan paperwork. Make sure to get your lender everything they ask for as soon as you can. Any delays, can cause a delay in closing. Keep in mind there is a lot going on behind the scenes between the lender, underwriter, agents, insurance agents, and closers creating a perfect closing package for you.
Set up Utilities.
After inspections are over and any repairs agreed to, schedule all utilities to be transferred into your name the day of closing, this includes electric, gas, water, wastewater, trash, cable, phone etc.
Close on your new home.
Closing day includes signing final loan documents and transfer of title. Bring a state or federal ID for closing, your amount due at closing must be in certified funds… sign your papers and Congratulations you’ve done it!
Move
It’s all yours! Congrats again! Make sure to keep in touch with us, we’re here if you need anything at all!
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