1. Decide on Buying
Connect with us and we will put together a profile ofwhat you are looking for in a house – number of stories, location, bedrooms, lot size and price.
2. Contact a Lender
Ask a lender for a pre-approval. Evaluate payment and provide documentation to the lender such as tax returns and pay stubs. Keep this information together; you will be asked for it multiple times. Your lender will help you determine how much house you can afford. They will then provide you with a pre-approval letter. If you don't already have a lender we can help you find one.
3. Regroup with Us
Once you speak with a lending agent, you will need to speak to us again. Please submit your pre-approval letter to us.
4. Select Properties
Based upon your needs, your agent will set you up on an online search. When you receive a listing for a house you want to view, contact your agent to schedule a showing.
5. Visit
We'll set-up showings with you to find the property of your dreams. We may also point out certain areas within a house that are positive or negative. This helps you make the best decisions on your purchase.
ONCE YOU FIND A HOUSE
1. Offers
We will advise you on a good offer price; once you decide on this, we will review other details of the contract with you. When all information is filled out, you will be asked to review and then sign the contract.
2. Negotiations
We will submit your offer to the listing agent. The listing agent will come back with negotiable terms. Once all the parties agree to the terms of the contract, the contract will be executed.
3. Executed Contract
Once your contract is executed, you need to schedule an inspection of the property (usually within 10 days). We will then review the repairs, if needed, and negotiate the repairs with you and your seller. If an agreement is reached, you will continue to the pending period. An agreement must be reached within your option period. Once an agreement is reached, you will continue to pending.
4. Pending
During your pending phase, the house will have an appraisal done by your lender. If you are paying cash, then an appraisal is not mandatory. Towards the end of your pending period, you will schedule a time to close with the title company. The title company will check to make sure your loan conforms and will give you a clear to close.
5. Closing
We will be sure to let you know of any additional information that the title company would like you to bring to the closing. We will attend the closing with you.