Buying Your Home
Buying a home is one of the biggest financial investments you will make in your life. For a first-time homebuyer the process can move fast and quickly feel overwhelming. That is why it is so important to find a FULL-TIME Realtor who is highly recommended in the community and someone you can trust. There are a lot of moving parts to purchasing a home and even seasoned buyers struggle to keep the process straight!
Below, we have broken down the process of buying a home into several number of steps, and each of those steps can include enough information to fill a book! So to help you get started, let’s begin!
Step 1: Find your agent
Again, it is so important to chose a Realtor who has experience and comes recommended when purchasing a home. There are many different ways to find a good Realtor… ask your friends and family for recommendations, search the internet and read their reviews! Realtors have lots of connections and tons of resources at their finger tips to help on your journey to finding your HOME!
Step 2: What can you afford?
Now that you have your realtor, they can direct you to finding a Mortgage lender that will best meet your needs. Mortgage lenders whether a bank or credit union run different types of programs and financing options that can potentially save you thousands of dollars.
Not only can you qualify for grant money or 0% down payment your mortgage lender can get you pre-approved so you know how much you can spend on your home and how much your monthly payments will be too!
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STEP 3: Begin your search!
There are many different reasons people purchase real-estate and whether its your first home, upgrading because you outgrew your home or downsizing there are some things to consider…
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Step 4: The Offer
Negotiations can be intense and can make or break a deal. A seller wants the highest offer while a buyer wants the lowest offer that a seller will accept. As a homebuyer, you’re on pins and needles…
Will your offer be accepted, or will you lose out if there’s a bidding war? Bottom line it can be stressful and you will feel all kinds of emotions but remember YOU picked a good team so Let us take the lead on your behalf.
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Step 5: Inspections
Once you have agreed to the sales price of the home its time for inspections! The first inspection is for your benefit and paid for by YOU! Again, Your Realtor will have recommendations for who to use if you don’t have a clue where to start. During the inspection your inspector will check everything from condition of the roof to the condition of the appliances.
Anything that comes up that is a safety concern or needs replacing can then be renegotiated during your inspection period (usually around 10 days after acceptance of the offer).
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Step 5: Title and Closing
You’re almost there! Now comes the last hurdles before closing. Your Realtor will order title work to make sure there are no liens on the property or issues that would hold up the transferring of the home. Your lender will gather last minute documents and make sure you are still employed (You can’t buy a house without a job!) and give us a CLEAR TO CLOSE!
Those are the magic words, it’s time to sign on the dotted line and get the keys to your new home.
Congratulations!
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