Buyer Step by Step

Buyer Step by Step Make An Offer For most of the buyers, this is where the nerves show up. You found a home that you want. The listing price is only a starting point and I will guide you to make the most attractive offer, whether it’s below, at or above listing price. Once the offer is submitted you get to wait, […]
Buyer Step by Step Get Ready If you are financing your new home and we survived the inspection period, this is the time to pay close attention to your finances. Never miss a payment, make sure you are following the instructions of your lender, and also make the phone calls needed to make your home ready for you when you move […]
Buyer Step by Step Closing This is the day. Even when we will just sit around a table signing, it can be exhausting. You will go through a few steps this day and you will be a homeowner! The contract will specify exactly how soon you get to move in, and on that day you will get the keys and […]
Buyer Step by Step Inspection Period If our offer included an inspection, this is a big day. Not only you will have an expert looking over the home to make sure there are no unseen defects that we might negotiate to have fixed. This is the day that you will spend the most time in your future home before closing. You […]
Buyer Step by Step Thinking on Buying You are doing the numbers, thought about where you are in life and you think it is time to buy a home. Knowing what to expect can reduce some of the anxiety and help you find your way to your new home. Before you start looking for the perfect place, you need to be prepared […]
Buyer Step by Step Look For It   By this time we’ve talked about what you really want and need in a home. Knowing this, your price range, and my knowledge of the area you want to live, I will send you a list of matching homes in the market and start our hunt! Step 4: Find the home of your dreams: […]
Buyer Step by Step Moving Day Cheat Sheet Once you’ve bought your next home, the thought of getting settled in, decorating, and living in your new space is incredibly exciting. But the actual logistics of preparing for and executing your moving day…not so much. For most of us, it’s a time filled with stress and anxiety. Packing might take longer than expected, movers […]
Buyer Step by Step Step 1: Find Your Realtor/Advocate These days most people start their home buying search by looking at sites such as Realtor.com, Zillow, or Trulia. That’s completely understandable, but when you are ready to move beyond the searching phase to the purchasing phase, the first thing to do is hire a Realtor to represent you and advocate on your behalf. Search engines are […]
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Buyer Step by Step Step 2: Get Preapproved for a Mortgage   So, You’ve picked ME as your Realtor…Yey! Now what? Now we need to get you ready and able to buy a home. This involves: Paperwork! Buying a home involves a lot of paperwork. But don’t worry, you picked the right agent when you hired me. I will introduce you to a unique solution called dotloop. It is […]
Buyer Step by Step Step 4: Finding the Home of Your Dreams The 80.10.10 Rule At this point, you’re probably excited and full of optimism. You’ve gotten pre-approved and have (hopefully) started to complete the Buyer’s Questionnaire. Now comes the most important step: finding the right home. I will have set you up for automatic search via the BLC (Broker Listing Cooperative). Each day (or however frequently you […]
Buyer Step by Step Step 5: Time for Showings! You’ve found properties you want to see, and we’ve set up your showing times. Generally, the day before we are scheduled to look at homes, I will email you the route so you will know where we are meeting. Leave yourself plenty of time to get there. Before we head out here are a few […]
Buyer Step by Step Step 6: Do You Want a Home Warranty? A Home Warranty is not the same thing as homeowner’s insurance, nor is it a replacement for homeowners’ insurance. Homeowners insurance covers major perils such as fires, hail, property crimes, and certain types of water damage that could affect the entire structure and/or the homeowner’s personal possessions. A home warranty is a separate contract covering […]
Buyer Step by Step Step 7: Make an Offer on a Home You Love You’ve found the perfect backyard and want to put in an offer. Fabulous! In today’s market, we need to put your offer in asap, ideally within a few hours. Before we can put an offer on a home, there are a few things we need to get from you: Full legal name: If you haven’t already […]
Buyer Step by Step Step 8: You Have an Accepted Offer! Now What? Congratulations on having an accepted contract on a house. Until we have an executed contract (which means everything has been signed by both the sellers and the buyers) we do not have an enforceable contract. That is why it’s urgent that a signed contract be received by all parties asap and within designated […]
Buyer Step by Step Step 9: Schedule a Home Inspection Once we’ve negotiated the Purchase Agreement, you will need to schedule your home inspection as soon as possible. Ideally, the inspection should occur within the next 2-3 days; however, during the busy summer months, inspectors may be booked out up to a week or more in advance. Plan to attend the inspection (see details below) which […]
Buyer Step by Step Step 10: Don’t Spend Extra Money THIS IS VERY IMPORTANT SO PLEASE READ AND TAKE HEED! Your mortgage pre-approval was granted to you based on the amount of money you had at the time of the pre-approval in your savings accounts, checking accounts, retirement accounts, etc., and the amount of debt you had at the time (car payments, student loans, your […]
Buyer Step by Step Step 11: Schedule the Closing on Your Calendar   Now that you have an executed contract, it’s important to put the closing date on your calendar and arrange to take the day off from work. Here are a few things to know about your closing date as specified on your executed contract: It could change. So many factors can cause a closing date […]
Buyer Step by Step Step 12: Set Up Homeowner’s Insurance One of the things the mortgage underwriter will require you to do is to set up homeowner’s insurance. It’s best to get a start on this task now. Like most people, your home is the biggest purchase you will ever make, and you want to make sure it’s properly insured. Our biggest piece of advice […]
Buyer Step by Step Step 13: What is the Inspection Period?   Now that a contract has been executed and earnest money dropped off, we are officially in the Inspection Period. During this period, we conduct the inspection and negotiate the resolution of any findings made by the inspector. Sellers need adequate time after we submit our response to call the necessary service providers and get […]
Buyer Step by Step Step 14: Attending the Home Inspection Attending the home inspection is one of the most important parts of buying a new home. It’s a huge financial investment with long term repercussions and you want to make sure the home you’re buying is in good shape. Therefore, I feel strongly that buyers should always be at the home inspection. While your inspector is […]