The first step to finding and buying your new home is meeting with you to discuss what your needs are in a home e.g. location, size, number of bedrooms, and budget.  We will explain the agency relationships and discuss the terms of the buyer’s agency.

You will need to be pre-qualified through your mortgage company before you go house hunting and have a budget in mind. If you are not currently working with a bank or mortgage company, we can give you a few names of professionals that we have worked with in the past.

HAR.com is an excellent internet search tool at our disposal to help us find your new home. After we develop a list of homes to view we will schedule appointments to personally walk through them carefully noting the pros and cons of each.

Once you decide on a home you would like to purchase, we will discuss the best way to present your offer.  Our goal is to get you into the home of your choice without paying too much. We will use our knowledge of the neighborhood and comparisons (CMA) of other homes to help us in the process.

Once all parties have agreed to the terms of the contract your option period will begin (typically 10 days). During this time we encourage you to have a professional non destructive inspection to make note of any repairs that may need to be done. A written report of the inspector’s findings will be provided to you within a day or two of completion. It is common to further negotiate part of the repairs noted on the inspector’s report.

Once all of your negotiations are complete and you have a final contract, your lender will begin to assess your personal finances, tax returns, pay stubs etc. and they will qualify the home through an appraisal. If all comes back clear, you will be pre-approved and ready for closing.

You have found your new home, negotiated the best price, had it inspected and appraised, and now the title is conveyed to you. Once the mortgage company has completed their process and funds have been wired to escrow, you will be asked to bring a money order for closing costs and down payment with you along with your i.d. At a mutually agreed upon title company, all the documents necessary to finalize your purchase will be presented, signed, copied and given to you.