The Buying Process

The first step in purchasing a home is to assess your buying power and set a budget. A licensed lender can assist you in evaluating your financial situation and obtaining a pre-approval. They will analyze your income and credit history to determine how much the bank will lend, which helps establish your price range. Having a pre-approval letter ready can also make your offer more appealing, especially when the seller is considering multiple offers.

Begin your search for the ideal home right here with the latest MLS listings in your preferred neighborhoods. Sign up for a free account to save your favorite properties, request showings, and more! As your dedicated REALTOR® team, we will also search for homes that match your criteria. When you find one you love, we'll arrange a showing so you can tour the property in person.

When you're ready to proceed with a purchase, we’ll guide you in crafting the most competitive offer possible. We'll handle all the necessary paperwork on your behalf. Making an offer involves several key factors, including the purchase price, closing date, contingencies, and any specific terms for your situation. After the offer is submitted, the seller can accept, reject, or counter it. If a counteroffer is made, we'll enter negotiations until both parties reach an agreement or the offer is declined

 If your offer is accepted, you'll officially be under contract. While the sale won’t be finalized until closing, the home cannot be sold to anyone else as long as the contract is valid. At this stage, unless you’re paying in cash, you’ll need to make an earnest money deposit and secure your mortgage loan. Since lenders offer various loan programs, it's crucial to work with a trusted lender who can help you find the best loan for your specific needs 

Examining the physical condition of your future home is a crucial step in the home-buying journey. A licensed home inspector will thoroughly assess the entire property, identifying any issues with the structure or systems of the home. They will also check for potential problems like pest infestations or mold. Based on the findings, we may need to engage in further negotiations to address any concerns uncovered during the inspection, depending on the terms of the purchase agreement.

Your lender will coordinate a professional appraisal of the home. This appraisal is an impartial assessment of the property's actual (or fair market) value, carried out by an independent third party. The appraiser will verify the property's value for everyone involved. If the appraisal comes in lower than expected, you may have the opportunity to renegotiate the purchase agreement or cancel the contract.

Before closing, we’ll do a final walkthrough of the home to confirm that all agreed-upon repairs have been completed and that the home is in the same or better condition as when the original offer was made. This is your last chance to address any issues with the home before closing. Depending on the terms of the purchase agreement, you may need to sign a formal contract addendum confirming that the walkthrough has been completed and that the home's condition is satisfactory.

Let’s celebrate! Your lender will give you a final closing disclosure that outlines the loan terms, monthly payments, taxes, and any other closing costs. They’ll also confirm that you’re ready to close, and you’ll sign all the necessary documents to finalize your purchase and loan agreement. After everyone has signed and your loan is funded, you’ll get the keys and be all set to move into your new home!