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Buying A Home? Here are some basic steps...  



Get PreApproved Before You Begin House Hunting

  • Find out how much of a mortgage you can qualify for.

  • Find out in detail how much money you'll need for down payment and closing costs.

  • Strengthen your bargaining position with sellers.



Choose a Real Estate Agent You Can Trust

  • Ask your mortgage lender to recommend agents they work with on a regular basis.

  • Only work with an experienced professional who knows the market, will listen to your needs and knows how to negotiate effectively on your behalf.

  • Ask for references from family and friends.



Find The Right Home

  • Determine the needs of you and your family.

  • Create a of list of "wants" and "must have" features you are looking for in a home. Schools and distance to work are usually a top priority.

  • Take notes as you preview homes or pictures if allowed.



Make An Offer

  • Your real estate agent will get your offer presented to the seller, who will accept it as is, make a counter offer on price or other condition or reject it.

  • When the price and terms have been agreed upon, you and the seller will sign the Purchase Agreement, defining the terms of the sale.



Have The Home Inspected

  • Hire a professional home inspector after the offer has been accepted to provide an in-depth look at the basic systems of the house, to reveal any safety hazards, major defects or substantial updates that may be needed.



An Appraisal is ordered

  • An appraisal is a formal report of the home’s current market value and may be required for your lender if you have less than 20% down payment on a purchase.



Title Insurance is ordered.

  • This guarantees that the property you are purchasing is free of liens or discrepancies in rights of ownership.

  • The policy insures against any losses to the property that result from defects on the title or deed.

  • The Title Company will prepare all the final documents where you will meet with the seller's to sign everything and "close" the deal.



Close on the Property

  • Ownership of the property is transferred.

  • The closing agent coordinates and distributes all the paperwork and funds

Get In Touch

If you have questions or need more information to purchase a property or refinance, get in touch anytime and I'll be more than happy to help!

Thanks for sending a message. I'll respond as soon as I can! - Therese

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