Buying a home
Purchasing a property is most likely the biggest financial decision you will ever make, make sure you got the right team on your side.
- Get local insight
- Know your neighborhood inventory
- gain access to off-market properties
- Review market averages
- Complete needs assessment
- Understand what you can afford
- Determine your monthly payment
- Understand your debt ratio
- Prepare for escrow
- Obtain a pre-approval letter
Time to go shopping!
- Compare home and neighborhood averages
- Favorite homes
- Schedule home tours and itinerary
- Decide on your dream home
- Review contract terms and time limit for offer
- Negotiate purchase price
- Choose title company
- Shop home insurance options
- Choose target closing date
- Sign offer
- Deliver escrow check to title
- Secure home loan
- Acquire Home insurance and send proof to lender
- Schedule a home inspection and negotiate repairs
- Acquire a property disclosure from seller
- Order appraisal
- Neutralize contingencies
- Certify funds for closing
- Transfer funds for closing
- Reserve moving company set to moving date
- Change your address through USPS and bank
- Set up utilities to be activated and transferred
- Confirm all contingencies to be resolved
- Schedule final walk-through
- Stay in close contact with agent, lender, and title company
- Connect with your lender to wire payment funds. Cover the cost of closing and down payment
- Bring a confirmation of your wire transfer
- Bring your Government issued Photo ID, social security numbers, proof of homeowner’s insurance, copy of contract
- Signing of closing disclosure, promissory note, and other docs
Get your keys!! Congratulations, the home is all yours.
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