We work for you
We are well-versed in navigating the complex housing market, and it shows. Our years of experience enable us to guide you through each step in the home-buying process, helping you to feel more confident about every buying decision.
Buying a home can be an intimidating process, but we will be with you through every step.
BUYING PROCESS STEPS:
Step 1: Check Your Credit Report & Score
Check your credit score and report to make sure there are no errors. Scores usually range between 300 - 850 and generally the higher the score the better the loan.
Step 2: Figure out How Much You Can Afford
Factor in how much money you will need for a down payment, closing costs and fees, but also don't forget any remodeling, moving costs or furniture you may need for your new home.
Step 3: Find the Right Lender
Work with your lender to get pre-approval for a loan, or even actual approval before you start shopping for a new home.
Step 4: Look for the Right Home
We will work with you to come up with a list of things you will want your new home to have. Need 4 bedrooms? A big yard? We will cover everything so you can find your perfect house
Step 5: Make an Offer on the Home
Now that you've found your dream home, it's time to make an offer.
Step 6: Get the Right Mortgage for You
There are a few different types of mortgage programs out there, but as a first-time home buyer, you should be aware of three basics: adjustable rate, fixed rate and interest-only.
Step 7: Close on Your Home
losing costs will likely include your down payment, title fees, appraisal fees, attorney fees, and inspection fees.
Step 8: Move In!
Q. How much will having a realtor cost?
A. Commissions are usually paid by the seller. You, as the buyer will not have to pay for the services of a Buyer's agent. We represent only you and will do much of the leg work for you to help you find the right home.
Q. How long does the full process take?
A. Unfortunately there isn't an exact time, each situation is different, but for most people we would suggest getting prequalified about six months in advance if possible. That gives you time to clean up any negatives on your credit report if needed, pay down any balances or save for anything you may need.