buyer services

Unless you're paying cash for your home, you'll need to talk to a lender about obtaining a pre-approval letter for financing.  The lender can provide answers to questions about interest rates, closing costs, loan products, down payment requirements, and monthly payment expectations.  We can provide referrals for mortgage lenders if needed.

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Once you have found The One, we will review the comparable sales data to analyze the list price and come up with an offer strategy.  We will review the sales contract and offer terms and present the offer in writing to the listing agent.  You will be guided through the negotiation process and once terms are mutually agreed by buyer and seller, the offer will be revised for the seller to sign.  Once the contract is signed by both parties, you will be officially under contract and earnest money (typically 1% of the sales price) and the termination option fee will be due.

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If you are obtaining financing, you will have a mortgage contingency typically 20-30 days to obtain a mortgage commitment.  Once your lender has all of your documents, they will send it to underwriting to review.  Once underwriting has issued a Clear-to-Close, your loan is complete and the file will be sent to the title company for closing.

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We'll sit down with you at our office (or via phone or virtual) to discuss your search criteria in detail, review available inventory, and answer any questions about the home buying process.  This will maximize efficiency of your time looking at properties that meet your criteria and we can all be on the same page with your timeframe and home ownership goals.

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You will have an inspection contingency typically for 7-14 days to conduct an inspection after the offer is signed.  We can provide referrals for professional home inspectors if needed.  If any serious issues are uncovered, you can negotiate seller repairs or credits at closing to have the repair done yourself.  You will pay the inspector upon having the inspection.  It is optional to have a real estate attorney review your contract, title commitment and closing documents.  We can provide referrals for local real estate attorneys if needed.

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Before we head to the closing table, we'll have a final walk though of your future home.  This is our chance to make sure the sellers made any repairs agreed to, all appliances and fixtures negotiated were left behind and that the sellers didn't accidentally damage the home when moving out.

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After the available properties are narrowed down to your list of favorites, we will schedule buyer tours to see homes that not only fit your criteria but also have great resale potential.  Navigating the search process to help you make a smart investment is our priority. 

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If you are obtaining financing, you will need to make a loan application upon receiving the contract.  Your lender will let you know the list of financial documents necessary to provide to the lender including a couple months of bank statements, tax records, pay stubs, etc.  Once you feel confident your home purchase is moving forward after attorney review/inspection period, your lender will have an appraisal done on the property.  

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We will attend your closing at the title company with you.  The escrow officer will explain each form you will need to sign and will review the numbers on the settlement statement.  Closings typically take an hour on average.  When closing and funding is complete, you'll receive the keys to your new home!

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