Get pre-approved, not just pre-qualified. Go shopping for a mortgage. You'll find out how much you can borrow, which has a lot to do with how much house you can buy. Sellers favor buyers that are pre-approved.
The next step is to create a realistic idea of the property you'd like to buy. What features are most important to you? Make two lists: one of the items you can't live without and one of the features you would enjoy. Refine the lists as you house hunt. It is also helpful to search online to see what is currently available on the market. We can then show you houses that meet your expectations
Once you've pinpointed your dream house, it's time to make an offer! We will help you determine the offer price by reviewing comps. Once your offer is made you need to negotiate with the seller to reach an agreement; which is our specialty.
After your offer is accepted, there is a 30-45 day period if you are financing the purchase until the settlement. During this stage we will need to set up home inspections. We can help find reputable inspectors, and will negotiate to get you the most for your money once the inspector's reports are final. If you negotiate repairs as part of the purchase, ask for a "walk through" before finalizing the paperwork. Ask us about home protection plans, which may save you money in the near future.
Closing is where ownership of the home is legally transferred from the seller to the buyer. Nowadays most title companies require wire transfers. We will be super cautious on your behalf during the transfer. Make sure you've made all necessary deposits and completed the paperwork - including mortgage, title, homeowners insurance and any other paperwork required. Upon closing, we will give you the keys so you can start moving in and enjoying your dream home. Consider some moving basics: arranging for an alarm company, turning on electricity, water and gas, cleaning or replacing the carpet, and notifying your local post office of your new address.The best time for renovations is often before you move in. Don’t forget the essentials; paper and bath towels, soap, trash cans etc. But most importantly, enjoy your new home with your loved ones.