Learn About The Buying Process

Looking for your dream home? We are here to help! We have a system we follow to guarantee you get the home best suited for you at the right price.

THE BUYING PROCESS

Step 1

Finding your home & making an offer

First we must define your needs & wants in a new home. After that you must get pre-approved for a loan & set up a search to preview homes you are interested in. When you finally find that dream property, we submit & offer & negotiate a price you are comfortable with.

Step 2

Inspections, The Contract & Title

After the home is purchased you may elect to perform an inspection on the property. Your attorney will work up a contract for the new purchase, where matter such as closing date & financing will be disclosed. After the contract is signed, all the work that involves changing the title & owner of the home will be prepared. If the inspection shows anything that needs to be addressed, you can negotiate with the seller on closing costs or repair work.

Step 3

The Mortgage Process

First you submit a loan application where the lender will reveal in 3 days what the closing costs will be on the new purchase. Your lender will ask for a series of financial disclosures including bank statements & 2 years of tax returns. The lender will then render an approval decision stating its willingness to fund the mortgage. Next, an appraisal is done the property & home insurance is purchased & proof of purchase is submitted to the lender.

Step 4

The Closing (Or Settlement)

As part of the preparation for the closing process, an attorney or title company performs a title search to see if their are any liens on the property. After all searches are completed & cleared, a final closing date is finalized. A final figure is calculated for how much should be presented on the day of closing (cashier's check or bank wiring). A final walkthrough will be done on the property to ensure it was in the final condition as when the process began. At closing you will sign all documents & pay the remaining fund's on your down payment. Finally, you move in & enjoy your new home!

Contact Our Team

If you're interested in buying or selling a property, please reach out below. We aim to respond in one business day

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