Listed below are the steps that we will need to take during the home buying process:

• Get Pre-Approved For A Mortgage ( You might already know someone or you can ask me about the lender and I will gladly recommend a few I have worked with)
• Get In Touch With Me To Discuss Your Preferences On The New Home And Set Up An Initial Search With MLS
• Letting Me Help You To Find You A Perfect Property
• Make An Offer On It / Negotiate The Price / Sign The Contact
• Write A Check For Earnest Money
• Conduct Home Inspection Process
• Attorney Review
• Get A Home Appraisal Scheduled By Your Lender
• Final Walk-Through
• Closing

Let’s take a look at each of the steps one at a time:

But before we start I do recommend you to figure out your finances. Unless you are planning to pay cash you might require a mortgage while buying a new home and will usually have to pay it back over the course of the next 10, 15 or 30 years. But if you want to get pre-qualified for a mortgage, you’ll require some sort of down-payment, and in most cases, it can be anything from 3.5% to 20% (at 20% you will avoid any additional fees such as PMI – private mortgage insurance) and of course credit score (the higher the better). Prior to approving your loan application, a lender will be checking your credit score to learn whether you are capable enough to deliver monthly payment. Depending on your credit score, credit history, and finances the lender will decide whether to grant you the loan and what the interest rate should be.

Prior to beginning with the homebuying process, it’s vital for the homebuyers to get pre-approved for a mortgage. In this process, you will be reaching out to various lenders to find the one you like and feel comfortable working with and who will be verifying your financial background in order to learn whether to pre-approve you for a mortgage.

Once pre-approved, you will have a better understanding of how much you can afford for your new home. One thing that you should keep in mind is that getting pre-approved and getting pre-qualified are totally different concepts so I would recommend getting pre-approved only if you are ready to buy something not just curious about the market and available options.

The first question you probably want to ask is how much do I charge for the services? And here is the answer without further ado – the fees are zero dollars. My commission will be covered by the seller and you will be only responsible for your closing costs.

I will ask you some questions about your dream home and create a search including all your needs and wants. With that, you will receive an initial email with all properties in your criteria that are listed on the market. And moving forward you will be receiving emails on the daily basis with new properties that will be hitting the market each day. So, from here I will be a part of your entire journey from the very start to finish.

- I Will Guide You Throughout The Entire Home Buying Process
- I Have A Team Of Professionals That I Can Recommend
- I Know The Real Estate Market
- I Have A Great Deal Of Experience
- I Will Always Protect Your Privacy, Confidentiality & Fiduciary Duty
- I Know What To Look For
- I Have Negotiating Skills To Get You The Best Deal
- And The benefits are endless..

Now, it’s time to go hunting for your dream home. There might be thousands of homes in the local market you are interested in. I will provide you with details of listings, depending on your requirements as well as budget to make sure that we only spend time looking at ones that fit your criteria. Once we choose a number of homes you like I will set up appointments to go see them. You will be able to take a look at each and every aspect and analyze everything right in front of your eyes. And I will be there with you to answer any questions about specific homes. Once we find “THE ONE” it’s time to make an offer.

Before you make an offer I will go ahead and research the specific area this home is located. That is needed to see the prices of similar homes were sold to make sure you are not overpaying. Because I want to make sure that the price you are ready to pay will be the number this property will appraise for. Also, I will always suggest whatever is the offer should be to make sure you will get this property, especially in multiple offers situations.

This is one of the steps that you shouldn’t ever skip. What if you make an offer, start living in your new house, only to find out there are serious issues with the pipelines? By hiring a home inspector, you will be subject to a detailed report about present issues with the house that you should know about. If there are any problems, you can ask the seller to fix them or credit you at the closing so you can take care of those issues later on.

You might be pre-approved for a loan. But your lender will be looking forward to conducting a home appraisal. Here, your lender will be checking whether it’s a good investment. You can consider it to be similar to a home inspection process. However, this one will be lender-oriented.

The day before closing I will schedule a final walkthrough to make sure that the property is in the same condition as we first saw it. Usually by this time, if the house was occupied, all the furniture will be out and property ready for the new homeowners.

It’s the final step in the home buying process. Congratulations! The day has finally arrived when you will be receiving keys to your new home. There will be a set of documents you will need to sign and the number of fees you will be required to pay (the down payment for the loan and closing costs). But no worries you will already know all the numbers prior to closing day, the lender will provide you with that couple of days earlier.

It’s now time to move in! And just a quick reminder, don’t forget to connect all the utilities ;)