The Home Buying Process
First time home buyer? Seasoned veteran home buyer? Vacation home buyer? We are here to help with our experience and local expertise in the buying process. Our top goal is to exceed your expectations while getting you the most home for the least amount of money with the best terms and conditions available to you. We put our negotiating experience to work for you and will make sure your purchase is a streamlined smooth process.
5 Steps to Home Ownership
Step 1. Determining your needs - Home Buyer Consultation
Most of our customers spend countless hours looking at homes via the internet, they drive around looking within communities, and often they visit open houses and new construction sales offices. At some point in that process, they decide it's time to get real, get organized, and seek professional assistance. At that point we engage and set up a home buyer consultation meeting. We go over the home buying process, we go over our exclusive Buyers Advantage Program, and we discuss locations and types of homes that are most attractive.
Step 2. Financing - Connecting with a Lender
In this market, most sellers will not go through the process of cleaning and preparing for a showing unless they know the potential home buyers are approved for a mortgage. Further, most professional Realtors will not schedule showings unless their customers or potential buyers have a pre-approval. Makes sense right? Therefore, your next step in the process is the pre-approval process. We have an ever changing list of top lenders that are both professional experienced loan officers and who offer highly competitive rates with often unique programs to help minimize your down payment and maximize your buying power with low rates.
Step 3. Private Home Showings
Once we've started narrowing down locations and homes, we set up private showings of the homes that could best match your criteria. This is the fun part! We do private showings because you need the opportunity to walk through the home without other agents and to discuss the pros and cons of each home's condition, location, and price. We do this for any home listed via the Multiple Listing Service, For Sale By Owners, and New Construction Homes.
Step 4. Offer and Negotiations
Once you have identified the home for you and your family. We do the research on the recent comparable sales and the current market to help guide you to the correct offer. It's no secret that many sellers have listed their homes above market price, and we certainly aren't for letting our customers over pay for a home! We will negotiate the best available price and terms to make sure you are getting the best deal available at the time of purchase! We spend a good amount of time going over the entire purchase agreement to confirm you are comfortable the terms and timelines that we will need to adhere once we are fully under contract for the purchase. Once under contract, a binder check will be deposited in Escrow.
Step 5. Inspections
We will have 10 days to inspect the home for anything that you'd like to inspect. Wood Destroying Organisms (WDO) and full home inspection are the normal inspections most home buyers complete. Other inspections could include pools, hot tubs, bulkheads and docks, etc. We strongly advise you are present for the inspections. The inspector will issue a written inspection and even a brand new house will have items listed for repair. Many items within a home inspection are to be your personal "punch list" of items to have corrected once you take over ownership, however any major or dangerous items noted will need to be requested for repair by the Seller. We work with you through this time period to advise you with our experience as to what to request and how to request.
Step 6. Closing and Moving In
A final walk thru is completed, and we go to closing! Don't forget to start utilities like power, water, internet, etc., the day of your closing. Also remember to prepare to start lawn maintenance immediately following closing. At closing, you'll need a certified check for any remaining closing costs or down payment required and your lender will give you this final number the day before closing typically. We go to closing and you'll sign all your closing documents and mortgage documents. Congrats you have just purchased and are now ready to move in!