Buyers

Thinking about buying a home?

As a real estate professional, we want our home buyers to experience a stress-free and hassle-free transaction. Our job is to help you navigate the real estate process and find your dream home. In order to avoid common buyer mistakes, you must understand the real estate process. TWO most important determinants in purchasing a new home:

Credit Score: Minimum FICO score of 640
Money Reserves: Minimum of $10,000

Selling homes

Homebuying 101: Set Realistic Expectations

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Our team of real estate professionals will listen to you and create the best homebuying strategy to meet your housing needs. We believe the best way to make the homebuying process enjoyable is to set realistic expectations.

Rule #1: The home buying process is nothing like HGTV. It can be stressful and time-consuming. It is important to pick the right realtor that you can trust and will be the best advocate for you.

Steps To Buy Your Home

Step 1: Get Preapproved by a local lender

Getting Preapproved
Before you begin your homesearch, you must first get preapproved by a local lender. The preapproval process takes 15 minutes. Getting preapproved helps you identify a mortgage payment that you feel comfortable paying every month. Here is a list of financial information you need to provide a lender to get preapproved:

-2 most recent bank statements
-2 most recent paystubs
-2 most recent W-2 forms
-Investment account information
-401K information if applicable

Step 2: Determine your new home criteria

Dream homes
What does your dream home look like? Where is it located? Honestly, prioritizing new home criteria is the most difficult part for many homebuyers. We encourage homebuyers to pick their Top 3 Must-Haves to narrow the homesearch. The common Top 3 Must-Haves are the following:

1. Price

2. Commuting Time

3. Schools

Step 3: Find your home of choice

Understanding the Local Real Estate Market
We focus on educating our homebuyers about the local real estate market. Based on the inventory, we find the best home which meets your criteria.

Step 4: Price Negotiations

Placing a Winning Offer
We help homebuyers understand the buyer and seller perspective to create a WINNING price negotiation strategy.

Step 5: Home Inspections

Identifying Defects and Repairs
We encourage homebuyers to hire a professional home inspector to assess the condition of the home. The home inspector will check mechanical systems, structural, plumbing, electrical, and appliances in the home. We understand you need to make sure your investment is sound and by minimizing your risk of repairs.

Step 6: Home Appraisals

Determining Home Valuation
We encourage homebuyers to hire a professional home inspector to assess the condition of the home. The home inspector will check mechanical systems, structural, plumbing, electrical, and appliances in the home. We understand you need to make sure your investment is sound and by minimizing your risk of repairs.

Step 7: Homeowner's Insurance

Comparing Insurance Policies
Homeowner's insurance policies are required to protect your belongings inside your home. We encourage homebuyers to compare quotes between several insurance carriers to get the best coverage.

Step 8: Closing

Receiving The Keys
Your journey finally comes to an end. At closing, also known as settlement, is when you sign your loan documents, pay your downpayment and closing costs to receive the keys to your new home. Homebuyer's closing costs include loan origination fees, title insurance fees, property taxes, title service fees, and homeowners insurance premium. Congratulations you are officially a homeowner!