.e5a543b6.svg)
Deciding To Buy A Home
A home is generally one of the most expensive purchases a person makes in their lifetime. As buyers begin their journey, it is easy to feel uncertain and intimidated. When making such a huge financial decision, it is crucial buyers are completely aware of their actions. Having a real estate agent at your side can reduce the stress of the home buying experience and help guide buyers to make well-informed decisions.
Find a Realtor You Trust
Having a realtor you trust and enjoy working with is incredibly important to your home buying experience. Initially, you should speak to several realtors, simply getting to know them. Don’t sign anything with any realtor, until you find the one you trust and want to work with. Once you’ve found the one, let it be known you’ve officially committed yourself to an agent. Not being transparent to any realtor you’ve talked to that you are officially working with a different realtor, could lead to uncomfortable situations surrounding procuring cause. Be upfront, be honest.
Find a Lender you Trust, Get Pre-Approved
• Income
• Employment
• Debt
• Assets
This may vary by lender, but you will typically need to provide:• Driver's license
• Bank statements for the last month
• Paycheck stubs
• W2
Choosing A Home
Fill out our “Homebuying Wishlist” to help narrow down exactly what you’re searching for.
Make An Offer
Get A Home Inspection
This means you may renegotiate the offer or withdraw completely if the inspection reports any notable material defects. Both you and the seller will receive the home inspection report. After you have reviewed the report, it will be up to you to decide if any issues need to be addressed before proceeding to the closing of the sale. Prior to closing, you will be able to make a final walk through, giving you the chance to confirm agreed-upon repairs have been made.
Home Appraisal
Before the lender will submit to the loan, an appraisal will need to be completed. The purpose of the appraisal is to determine the market value of the subject property. The lender will use the appraisal report to ensure the amount their lending does not exceed the value of the property.
Closing
