Keys
-
Once it gets officially recorded at the county office...
-
The home is yours!
Sign Documents
-
This usually takes place at the escrow company, where they will help walk you through the (many) forms/documents
Finalize Loan
-
Once the inspections and appraisal are done, you can officially secure your loan.
-
And once the loan is secured, we will remove any contingencies
Appraisal
-
A neutral third party that gives their opinion on the home’s current value.
-
Can also lead to renegotiation if the appraisal come in low.
Re-Negotiate
-
Depending on what the inspections reveal, we go back to the table to renegotiate.
-
A buyer’s market will give you the most leverage in a renegotiation.
Inspections
-
A physical inspection is vital to protect your investment.
-
Optional inspections: sewer, geological, pest, et al.
Escrow
-
The neutral third party that holds all the funds until the deal is closed.
-
Usually, you will need 3% to put towards the EMD (Earnest Money Deposit) to show the seller you are serious.
Accepted
-
Time to open escrow!
Offers
-
There are a million different ways to write, and to present, an offer. We'll figure out the best plan for you.
Home Search
-
We will make a prioritized list, helping you decide what is most important in your dream home.
-
You tell me how you like to house hunt. You can be involved as little, or as much, as you'd like.
Pre-Approval
-
Meet with a lender to see how much you qualify for
-
Discuss the monthly payment range you would like to pay
Down Payment
-
If you require a loan, you should have at least 3% of the purchase price available
-
Any down payment of less than 20% will have to pay PMI (Private Mortgage Insurance)