Home Buying Process

The home buying process typically includes many of the following elements; I will be your resource and guide every step of the way.

Initial Consultation

• Determine your priorities and needs
• Review "agency" choices and select appropriate working relationship
• Discuss financing options

Obtain Financing

• Find a mortgage company
• Consult with a loan officer
• Pre-qualification
• Complete loan application
• Obtain loan pre-approval
• Provide requested documentation

Finding the Right Home

• Your agent will show you properties based on your criteria
• Evaluate each properly with your agent
• Choose the right home

Preparing an Offer

• Review comparable sales to determine offer price
• Review seller's property disclosures
• Decide on other terms (inspections, possession date, personal property)
• Prepare earnest money deposit

Reaching an Agreement with a Seller

• Present your offer
• Negotiation of terms and possible counteroffers
• Agreed-upon sales contract with seller

Completing the Settlement Process

• Deposit of earnest money
• Property, pest and other inspections
• Property appraisal
• Loan processing and final loan approval
• Remove any remaining contingencies
• Arrange for homeowners insurance
• Arrange for home warranty
• Arrange for movers
• Final walk-through of properly with your agent
• Provide balance of down payment and closing costs
• Sign Documents
• Loan Funding
• Receive keys from sales associate
• Move in!