Helping people attain their dream of home ownership is the most rewarding part of our business. However, purchasing a home can be an unnerving experience for an unprepared buyer. With the right preparation the home buying process can be very enjoyable; not to mention one of the smartest long term investments you can make! We pride ourselves on our communication before, during, and after the transaction. When everyone is communicating no one is left in the dark, and no unexpected surprises jeopardize the transaction.
The Home Buying Path
The first step we recommend when starting the home buying process is to speak with a reputable lender to get pre-qualified. We have a list of lenders in our community for anyone who may be looking for a recommendation. Pre-qualification is beneficial in a number of ways.
1) It gives you first hand knowledge of the types of mortgages available and allows you to figure out what type of mortgage will best fit your financial needs.
2) It allows you to choose a loan amount you are comfortable with as well as know exactly what price range of homes you can afford.
3) It allows you to readily make an offer once you find the home you want and not risk losing the home to another buyer while you get your financial paperwork in order.
4) Pre-qualification also strengthens your position when making an offer on a home. Sellers are often more likely to accept an offer from a pre-qualified buyer.
The pre-qualification process is quick and easy and can mean the difference between getting the home you want and missing out on a great deal! While speaking with a lender is the best way to know exactly what you can afford, our mortgage calculator can give you an estimate of what to expect.
Once you have been pre-qualified with a lender, the fun begins! We will gather some information from you about your desired amenities in your new home (number of bedrooms/bathrooms, neighborhood preference, desired square footage, etc.). We will then present you with all of the listings that match your criteria and let you decide which homes you would like to go see.
Once you find the right home for you, we will help you negotiate with the sellers until we reach an agreement on all the terms of the contract.
Next we will help you hire a professional home inspector to inspect the home thoroughly.
After the inspection is complete, we will help you negotiate any repairs you want the sellers to take care of prior to closing.
We will monitor the contract details and keep you informed about items including the title insurance, appraisal, any contingency clauses, etc. We will schedule a final walk-through to make sure that everything is in order and the home is in good condition. We want you to be 100% comfortable with all aspects of the purchase prior to signing any closing documents.
Finally, it's the moment you've been waiting for. It's time to CLOSE on your new home! Along with your lender, we will walk you through the final loan documents and contracts and hand you the keys!