1. Determine Your Budget: Before you start shopping for a home, it's important to figure out how much you can afford. This involves taking a look at your income, expenses, and debts to determine how much you can comfortably afford to spend on a mortgage payment each month.
2. GET PRE-APPROVED: Work with a loan professional. Submit application & documentation for review. Determine how much you can afford.
3. REALTOR CONSULTATION: I'll be the one to guide you through the process. We'll discuss your price range, ideal locations, current market conditions & more.
4. START YOUR SEARCH: I'll be sure to get you information on new homes that meet your criteria as soon as they're listed. I'll relentlessly help you find your dream home.
5. LEARN THE CURRENT MARKET CONDITIONS: My local market expertise is a valuable resource as you consider what's a good deal and what isn't.
6. MAKE AN OFFER: I'll help create your offer, tailored to your needs. If it's accepted, we should close on the home within 30-60 days. If not, we'll negotiate with the Seller to reach a deal.
7. NEGOTIATE: We may receive a counteroffer. Don't be intimidated! We'll discuss whether to accept or propose our own counteroffer. Market conditions determine how aggressively we negotiate.
8. TRANSACTION CALENDAR: Offer accepted! Time to deliver your earnest money deposit (1%) and schedule property inspections. Choose your inspector(s) and schedule them ASAP to determine if any repairs are needed.
9. FINALIZE FINANCING: Provide your lender with any requested documentation quickly. The appraisal should be ordered as soon as you have performed all your inspections and resolved any issues.
10. CLOSE THE DEAL: You'll receive a Closing Disclosure from your Lender with all the closing costs and cash needed at Closing. We'll visit the property one last time and then sign all the paperwork.
11. MOVE IN! Congrats! You can move into your new home. Enjoy it! I'll stay in touch in case you need anything. And...oh, by the way, I'm never too busy for any of your referrals!
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