The 6 Steps to buying a home

  1. Identify the right situation and home for you, taking into account if it makes sense financially (rent vs. buy), proximity to work and schools, number of bedrooms and bathrooms, the area’s safety, and perhaps even the percentage paid for taxes. Make a list of those negotiable (things you can live without) and those non-negotiable (things you KNOW you will need) so you can provide them to our Partnered Agents

    When you meet your agent, you will be able to provide them with a list of those things that are important to you (your search criteria). Based on the available homes on the market, they will be able to provide you with options to match what you are looking for.

  2. Let one of our Lenders Pre-Qualify you at no cost so you can get financing once you have decided to purchase a house.

  3. Get acquainted with our real estate agents so you can provide them your search criteria and set up time to do walk-throughs of potential homes.

  4. Make an offer and negotiate.Once you’ve found the right home, make an offer through our partnered agents. They will draft the necessary paperwork stating to the seller the price you are willing to pay, terms and conditions, and any other additional responsibilities of the buyer and seller. Your agent will provide comparable information on similar homes in the area to ensure you are not overpaying.

    If your offer is the seller’s best option, chances are it will be accepted. However, the process is rarely that fluid and negotiations typically go back and forth several times to address price, financing terms, repairs, move-in dates, and

  5. Select your loan program and lock your interest rate. Our Lenders will provide you with a variety of mortgage programs and help you shop the best one for you. Since every customer is different, the different loan programs provide some flexibility to address the different needs in the marketplace. Make sure to work with one of our lenders so they can address the best options that address your needs.

  6. Closing on your home. Your loan has been processed and approved. Both parties will meet at the title company or attorney offices to exchange financing and ensure the title is given to you, the new homeowner. There may be additional closing costs depending on the terms of the contract. Review those and ask all your questions with your lender and agent.

    Your move in day! The day has finally arrived for you to move. Whether moving yourself or hiring professionals, make sure to examine the different options and pricing packages available that match the amount of work you are willing and able to do. As many know, moving is NOT easy, so try to remove some of the complexity away and hire some experienced and insured professionals. It will be worth it!