During our first meeting, we will want to obtain as much information as we can to help you find and purchase the right home.
Anything and everything you can tell us about what features you would like, the area you are most interested in, the style of house would be extremely helpful for us.
We will also want to determine the price range you would feel comfortable with and qualified for.
The first step to buying a home is to determine how much you are comfortable spending, and how much a lender will lend you.
To do this you will need to meet with a lender to get pre-qualified. It’s possible to do this online, however contacting a local loan officer is generally your best option. They will be able to help you with your particular circumstances and provide a pre-approval letter. We know many great lenders who will do this for free.
A pre-qualification letter will also add strength to your offer and will help you be in the right position to close once your offer has been accepted.
Now for the fun part. Once you select which houses you would like to view, we can schedule several showings back to back.
Feedback from you is greatly appreciated by us. If we don’t initially find the right home for you, we will keep looking until we do.
We are continuously updated with houses being put on the market and can set up immediate, automatic emails of the new houses that fit your criteria.
We will draft the Purchase Agreement for you, advise you on protective contingencies, customary practices, and local regulations. At this time you will need to provide earnest money deposit, usually from 1% to 3% of the purchase price. (This deposit is not cashed until your offer is accepted by the seller)
After we present the seller with an offer, they have three options. They can accept, counter, or reject your offer. We will advise you on what you can expect and help negotiate based on your needs.
Our knowledge and negotiation skills will benefit you in reaching a final agreement with the sellers.
After the Purchase Agreement is accepted and signed by all parties, we will open escrow for you. At this time your earnest money will be deposited.
The title company will receive, hold, and disburse all funds associated with your transaction.
Most offers will contain contingencies. Common contingencies include; financing, inspections, appraisals, buyers home sells, and numerous others.
This is the time to obtain financing, perform inspections, and satisfy any other contingencies.
There may be issues resulting from the contingencies that we will assist you in working through.
We will coordinate between your chosen Insurance Agent and the Title Officer to ensure your policy is in effect at the close of escrow.
When all the conditions of the Purchase Agreement have been met, you will sign all of your loan and closing documents.
You will deposit your down payment and closing costs to escrow and your lender will deposit the balance of the purchase price.
The deed will then be recorded at the County Recorder’s office and you will take ownership of your home.