Home Buying
It all begins with an idea. Together let’s brainstorm what will fit you and your family best. We want to hear everything you have in mind. Maybe you want a city view, an outdoor living space, or just a two car garage. All of the details are important to us. Our buying process starts with a “wish list”. Although today’s market is moving quickly, we will do whatever it takes to make your experience worth while. It’s a big investment whether it’s your first home, investment property, or third family-home. Just like you, we want to making this journey meaningful and enjoyable.
The Home Buying Process
Decide to Buy a Home
Be sure that you are financially and emotionally ready to buy a home.
Find a Realtor
A Professional will help guide you through the often overwhelming home buying process.
Get Pre-Approved
Choose a mortgage lender and determine how much you can afford before beginning your home search.
Look at Homes
Work with your Realtor to help narrow your priorities and make an informed decision on which home is best for you.
Choose a Home
Find a home that meets your needs and priories and will make you happy for years to come.
Get Funding
Gather information regarding mortgage options and other costs. The price of the home does not include interest, closing costs, and taxes.
Make an Offer
A proposal to buy includes both the price and terms. Don’t forget to schedule a home inspection.
Get Insurance
If something goes wrong, insurance can be the bargain of a lifetime.
Closing and Move In
The closing process is increasingly computerized and automated. Closings bring together the parties involved in the real estate transaction.
Handy Home Buying Tips
Get Pre-Approved
There is a big difference between a buyer being pre-qualified and a buyer who has a pre-approved mortgage. Getting pre-approved means a lender has looked at all your financial information and they’ve let you know how much you can afford and how much they will lend you. Being pre-approved gives you the opportunity to shop around for the best deal and the best interest rates.
Stalk the Neighborhood
Before you buy, get the lay of the land - drop by morning noon and night. Many home-buyers have become completely distraught because they thought they found the perfect home, only to find out the neighborhood wasn’t for them. Drive by the house at all hours of the day to see what’s happening in the neighborhood.
Keep Your Money Where It Is
It’s not wise to make any huge purchases or move your money around three to six months before buying a new home. Lenders need to see that you’re reliable and they want a complete paper trail so that they can get you the best loan possible. If you open new credit cards, amass too much debt or buy a lot of big-ticket items, you’re going to have a hard time getting a loan.
Bigger Isn’t Always Better
There’s an old adage in real estate that says don’t buy the biggest, best house on the block. The largest house only appeals to a very small audience and you never want to limit potential buyers when you go to re-sell. Your home is only going to go up in value as much as the other houses around you.