It is my job to streamline these steps for you and ensure that everything is completed according to plan.
- Consultation to analyze your specific needs and wishes
I listen carefully to what you need in a home.
- Financial pre-qualification or pre-approval
I can recommend a loan officer to help you.
- Select and view properties
We will look at homes on line and in person. Make sure you check out the neighborhood prior to a home visit.
- Write an offer to purchase
I can help you make an attractive offer and that will save you money.
- Negotiate the purchase offer
Once accepted I send the contract and earnest money to the title company, they begin the title search. I also send the contract to your loan officer so they can work on the loan process.
- Find an inspector and renegotiate
Having the home inspected is highly recommended. You will pay the inspector to find any problem with the home. They WILL find problems. Don’t be alarmed. If there are big problems, we will renegotiate.
- Final mortgage application, underwriting & loan approval
Depending on the loan, this can take up to 45 days!
- Title company
We will close at a title company. Generally, you pay the title insurance, the seller pays for a title search. The fee charged by the title company to close is split between the buyer and the seller.
Make sure you have the utilities put in your name.
If you need the name of a moving company, let me know.
ENJOY YOUR NEW HOME!