Buying Process...

Initial Consultation

*Determine your needs and priorities
*Review agency choices and select appropriate working relationship
*Discuss financing options

Find the Right Home

*Agent shows you properties based on your criteria
*Evaluate each property with agent
*Choose the right home

Obtain Financing

*Find a Mortgage company
*Consult with a loan officer
*Pre-qualification
*Complete loan application
*Obtain loan pre-approval
*Provide requested documents
*Property appraisal
*Loan processing
*Final loan approval

Prepare an Offer

*Review comparable sales to determine offer price
*Review progress of loan pre-approval(decide on best financing plan)
*Decide on other terms(inspections, possession date, personal property, etc.)
*Prepare an earnest money deposit

Reach an Agreement with a Seller

*Present your offer
*Negotiate terms and possible counter offers
*Agree upon sales contract with sellers

Complete the Settement Process

*Deposite of earnest money
*Review seller's property disclosure
*Review preliminary title report
*Inspection
*Remove any remaining contingencies
*Arrange for homeowner's insurance
*Arrange for home warranty
*Final walk-through
*Provide balance of down payment and closing costs
*Sign documents
*Loan funding
*Record title
*Receive keys, and MOVE IN!!

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