The
Buying Process

Prepare Finances

Get pre-approved for a mortgage to determine your budget and demonstrate your qualifications to purchase a home.

Begin Property Search

With the help of your agent, start looking for properties that meet your criteria through online listings and open houses.

Make An Offer

Craft a competitive offer with guidance from your agent based on market value and property condition. Be prepared with a counteroffer or back-up offer.

Negotiate and Finalize

Navigate the negotiation process to reach an agreement with the seller, then finalize the sale with required paperwork.

Close the Sale

Complete all the necessary escrow, legal, and financial steps to officially transfer ownership and receive your keys!

Prepare
Your Finances

Establish a savings goal, create a budget that works for you, and allocate funds towards your down payment. Building a substantial down payment demonstrates financial responsibility and helps secure a favorable mortgage rate.

Obtain pre-approval from a lender before starting your home search. It clarifies your budget, makes you a serious buyer, and streamlines the process when making an offer. Note: Pre-Approval and Pre-Qualification are not the same.

There are many different loan programs and mortgage terms to understand eligibility requirements, down payment amounts, interest rates, and key concepts like amortization and loan-to-value ratio. Consult with your Mortgage Lender to understand loan qualification, terms, and monthly affordability.

Save for a Down Payment

Get Pre-Approved

Consult with your Mortgage Lender

Begin Searching
For Your Dream Home

Take a Strategic Approach

Start by determining your budget, as mentioned above, and your desired location. Research online listings and attend open houses to get a sense of available options. Consider things like property size, number of bedrooms and bathrooms. Take notes, ask questions, and imagine yourself living in each home you visit. Keep an open mind and be prepared to make compromises - create a list of must haves, would be nice, and not a requirement. As you explore properties, focus on finding a home that meets your criteria and feels like the perfect fit for you and your future.

Items to Consider During Your Research

• Location

• Neighborhood

• Property size and layout

• Proximity to amenities and services

• School district evaluation

• Transportation accessibility

• Safety and crime rates analysis

• Future development plans in the area

• Local community and lifestyle factors

• Property features and amenities assessment

Make
An Offer

Find Your Dream Home?

Research comparable homes in the area with your agent, then create and submit a strong offer to the seller.

Offer Considerations

Make sure the price is right!

Have your pre-approval complete - this ensures you qualify for the amount of the home.

Including a deposit? Earnest money is a great way to show sellers that you are serious about your offer.

Identify any contingencies as part of the offer.

Limit your ask for extras.

Negotiate
And Finalize

Review Any Counteroffers Submitted From the Sellers

Respond strategically, considering the sellers' needs and consider your goals.

Don't be afraid to renegotiate the terms.

Know when to walk-away if the price gets too high or requests get to be too much.

Our Agents Can Help Guide You Through The Negotiation Process and Represent Your Interest.

Don't Give Up!

Come To An Agreement And Sign The Contract.

Close
The Sale

Financial Document Review

Thoroughly review all financial documents, including mortgages and loan agreements, ensuring accuracy and addressing any discrepancies promptly.

Ownership Transfer

Complete the legal transfer of property ownership, working with professionals to prepare and execute necessary documents like deeds and title insurance.

Fund Disbursement

Safely distribute funds to involved parties, settling financial obligations and ensuring secure and timely transactions.

Document Finalization

Carefully review and sign all documents, including contracts and disclosures, to ensure compliance and avoid complications. Consult a legal professional if needed.