From outlining your wish list over coffee to looking at homes, the first steps are filled with excitement and opportunity! I am here as your companion throughout the journey, helping you find the perfect home, guiding you through the offer process, and helping you negotiate wisely.
The first step to buying your next home is to determine your budget. Once you know your price range, find a licensed lender in your area who can help you get pre-approved. Getting pre-approved doesn't obligate you to a lender, but it will help guide your decisions during the home shopping process. Having a pre-approval letter in-hand can also increase your chances of winning an offer, particularly in a multi-offer scenario.
It's time to find your perfect home! Start your search right here with up-to-date MLS listings in your area. As your REALTOR®, I will also search for homes on your behalf. As you find homes you like, we will schedule showing tours for you to preview properties in person. Take note of what you like (and don't like) about each home. This will help you decide what features you can live without and what your absolute "must-haves" are.
Once you find your perfect home, we will work together to construct the strongest offer possible. Every offer is unique. We'll discuss not only the offer price, but also the closing date, sale contingencies and any special stipulations for your particular purchase. Once an offer is submitted, the seller may accept, reject, or counter the offer, at which point we will enter a negotiation period until an agreement is reached by all parties.
Unless you are making a cash purchase, once your offer is accepted and you are officially under contract, it's time to secure a mortgage loan. Lenders will offer a wide range of loan programs, and it's important to understand your unique priorities. An effective lender will guide you through the process to help you determine the best loan for your specific circumstances.
Inspecting the physical condition of your next home is an important part of the home-buying process. A licensed home inspector will evaluate the condition of the entire property and report any defects in the home's structure and systems. They will also detect issues such as pest infestations, mold or similar damage. Depending on the purchase agreement, we may enter additional rounds of negotiation to resolve any problems discovered during the inspection.
Your lender will arrange a professional appraisal of the home. An appraisal is an unbiased estimate of the true (or fair market) value of a home and is conducted by an independent third party. The appraiser will confirm the appraisal value of the property for all parties involved. If the home appraises at less than the expected value, you may have the option to either renegotiate the purchase agreement, or terminate the contract.
Before closing, we will conduct a final walk through of the home. This is the final opportunity to ensure that all negotiated repairs have been completed, and that the home is in the same (or better) condition as when the original offer was made. Depending on your contract, you may sign a formal contract addendum confirming that the walk-through is complete, and the condition of the home is satisfactory.
The big day is here! Your lender will provide final confirmation that you are clear to close, and you will sign all of the paperwork required to complete your purchase, including your loan documents. This process typically takes an hour or two. Once the paperwork is signed by all parties and your loan is funded, you will receive keys and you'll be ready to move into your new home!
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