Are you ready to buy a home?
As a first time home buyer, you may face many difficulties not only having to understand the process of buying a home but also having to know which type of loan suits you the most. Advice from well meaning loved ones can be helpful, but buying a home is a major financial commitment and it would be wise to educate yourself on the home buying process before taking the first step.
Schedule a meeting with one of our associates so we can give you expert advice when you have any queries regarding the decision to purchase a home. The purpose of this initial meeting is to make yourself aware of local real estate customs in your particular area, provide you information on the local real estate market, and give you an idea of the types of mortgage products that are available to you.
Buying a home can be stressful at times and that a calm attitude and the ability to cope with any issues that may arise calmly will make the purchase of your first home a more pleasant experience. Our guidance will give you a good start in making wise decisions when you purchase your first home. Buying your first home is one of the most exciting events in your life. Give yourself the information you need and take the advice of our experts when you begin the home buying process. The experience will be less stressful and you will benefit from the knowledge you have gained.
Place One is here to help you through the intricacies of the home buying process. From obtaining a loan pre-approval to coordinating closing, our team is never too busy to help you find your dream home. Below is an general outline of the home buying process and the importance of hiring a local real estate expert:
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GETTING PRE-APPROVED FOR A MORTGAGE
Now that you are ready to buy a home, the first step is to get pre-approved to see how much house you can afford. Make sure you understand your credit situation and what it means to you as far as applying for a mortgage. We will review your financial status by verifying your income, debt, and credit score. Down payment requirements and the interest rate you will receive are directly related to your credit score. Once we’ve completed the pre-approval process, we will be able to tell you how much house you can afford based on the loan amount for which you qualify.
Click Here to Get Pre ApprovedFINDING THE PERFECT HOME
Before we look at any house, determine the location you are considering and the features you really need in a home. We will begin with the location of suitable properties and arrange viewings based upon a list of requirements and desires you have communicated to us. We will then conduct research based on community information and recap our findings with you to determine a good candidate for an offer.
SUBMITTING AN OFFER
Before submitting an offer, we will go over the specifics involved between making your initial offer and the final acceptance or counter offers from the seller, settlement costs, the down payment amount you may need, and the length of time needed to close. This will help you determine the best offer price and terms for submitting the offer. We will then prepare the purchase offer, which is a contract that contains information about the purchase transaction and the your rights and regulations as a buyer. The purchase offer will also cover important details such as the offer price, initial down payment, earnest money deposit, contingencies, and buyer/seller obligations.
ESCROW/CLOSING
Once your offer has been accepted, we will conduct the proper follow ups and diligence to ensure your contract close easily and on time. We will coordinate all parties involved and make sure that inspections and appraisals are conducted in a timely manner and all lender conditions are satisfied. We will schedule a final walk-through of the home 24 hours prior to closing to ensure that any agreed-to repairs have been made and that the home is in the condition outlined in the contract. The title or escrow officer will then prepare a settlement statement and all pertinent loan documents needed to be signed and recorded.
There is an art to representing a buyer. It is a role that has become ever more crucial in an industry where customer service is the single most important thing that an agent can offer. If you are in the market for a home , contact us today and we’ll make sure that you are given the service that you deserve.