Whether you are a first-time homebuyer or an experienced owner, the home-buying process can be overwhelming and stressful. Our mission is to make the transaction process as simple and pleasant as possible.
If you are moving out of the area, let us make the process easier for you. We can help you move across the United States or globally.
To help get you started, we have outlined some of the main steps to buying a home, and different ways we can provide the support you need.
Be prepared: begin building a good credit history; save for a down payment, which is typically 10-20% of the property’s value; and find out what mortgages you qualify for. Get mortgage pre-approval and consider closing costs, such as taxes, attorney’s fees, and transfer fees.
It’s important to find a REALTOR® you can trust, so do your research. Get a referral, or search Realtor.com®. Make sure to explain your needs and expectations to the real estate professional you choose to work with, so she can better assist you.
Take your time – decide what is most important to you, such as specific schools, neighborhood amenities, or monthly mortgage payment. When calculating your monthly mortgage payment, be sure to include home owner’s assessments, utilities, and taxes.
Contact your mortgage broker or lender. The lender or attorney will run a title search to confirm there are no clouds on the title. Ask questions – make sure you fully understand the financing terms.
Start with ensuring the property is inspected by a licensed home inspector. Acquire title insurance, and place your offer subject upon title clearance. Make sure to read all contracts before signing. Place a competitive bid, but be prepared to move on if your offer is not accepted.
Now it’s time to protect your assets – weatherproof your new home and obtain insurance such as homeowner’s flood, disaster, and fire. Keep files in a safe place – warranties, insurance and closing documents, contracts, utilities bills, etc. Consider hiring movers for your set move date. Enjoy your new home! Plan a housewarming party and get to know your neighbors. If you’re happy with the work of your REALTOR®, be sure to recommend him to friends and family.
