How Home Buying Works
Welcome to our home buying process and how it all works.
Here is our 10 step process for buying a house you must know when searching for the perfect place.

Find someone who you are comfortable with as this may be the largest purchase you have ever made. Choose a Realtor who communicates, has your best interest at heart, and puts you first.
A local Relator has experience working with mortgage brokers and can recommend lenders. Choosing a lender that’s competitive on rates, communicative, and available is key.
Your lender will help you determine how much you can afford therefore which houses you should be looking at. Having a pre-approval letter in hand when you’re ready to purchase adds strenght to your offer, which can be an important advantage in this conpetitive home-buying market.
NOW comes the fun part! Finding your place to call home! When you begin touring homes that are on your favorites list, take along a note pad and jot down your thoughts as you tour each home.
Your real estate agent will walk you through the steps required to make an offer on a home in your area. Your offer will likely include earnest money that will apply toward your down payment on the home. Expect some negotiation, and discuss a competitive offer with your agent.
Now is the time when you’ll get the home inspected, which typically costs between $200 and $500. These inspections are intended to discover an “MAJOR DEFICIENCIES” existing on the property. Inspections are usually performed within 5-10 days of acceptance date of the offer.
Concerned about paying too much? Your lender will order an appraisal and that number must be equal to or less than the purchase price. Therefore making it impossible to over pay for your home. This means if the home does not appraise for the amount you offered to pay then price will be renegotiated or extra cash will need to be brought to the table or both parties agree to cancel the agreement. (Earnest money is returned)
It is wise to do a final walkthrough before the closing. The purpose is to verify that any repairs have been completed, and that all of the seller’s personal belongings have been removed.
You will sign all of the required documentation. A typical closing usually takes between 1-2 hours. Once the documentation has been signed and your lender has funded the transaction, you will be given the keys and the house is yours!
Ready to get started? Great. Let’s talk and take the first steps towards selling your home.
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