Home Buying Process

Making a decision to purchase a home is a big decision in itself.  My job is to make
the process as easy as possible for you.  Here's an overview of what to expect...

• Choose an Realtor with care.  Know your Realtor well.  After all, you are entrusting one of your biggest goal to that Realtor.  Your Realtor will be a source of information as well as contacts.
• Get pre-approved by a reputable lender.    Internet is a great information source but not a replacement for service providers.   Your loan agent will be happy to discuss mortgage payments as well as closing costs and the different loan programs available to you.
• Start your home search.  Check out the community and the amenities.  Location is crucial.  Size, floor plan, condition and price are things to consider.
• Once you have selected a home, I should be able to assist you in writing up a very good offer.  Price and terms are very important.
• Your offer maybe accepted the way it was written or countered or rejected by the seller/s.  I will negotiate for your best interest.
• When your offer is accepted by the sellers, the escrow process begins.  A title company of your choice is notified.  Good faith deposit is submitted to your escrow officer for processing.
  
• The lender of your choice is provided a copy of the accepted contract; therefore, appraisal is ordered & loan is submitted for final approval.
• Inspections are buyer/s right and for your protection.  I will order any inspections you deem necessary.  Inspections are buyer/s expense and none refundable once incurred.
• Disclosures has to be read, reviewed and approved on a timely manner.  Question items that are not clear to you. 
  
• I will remind you of important dates on  your contract. 
• Once all contingencies are met...I will coordinate with your escrow officer to get your escrow ready to close. 
  
• Your escrow officer will schedule you for the final review and approval of your documents i.e., loan & closing documents.  Final funds are needed prior to closing of escrow.
  
• Once notified by the title company that your escrow is closed, I deliver the keys to your new home to you together with your final closing documents.