Buying Process

I feel the greatest service I can provide you with is knowledge prior to purchasing your property. Since buying a property is one of the single largest investments you will ever make it is crucial you understand the process behing buying real estate and the services I provide.

Getting a Pre-Approval

A pre-approval can be obtained through a financial institution or a mortgage broker. Based on your credit rating, income, down payment, and the amount of debt your carrying will determine how much the banks will lend you. They will require you to fill out a mortgage application allowing them to pull your credit and will aslo ask for documentation verifying your income and down payment. Sometimes you will be pre-approved for more than what your budget allows, therefore, we determine with you the price range we need to be in for your payments to comfortably fit your budget. Having a pre-approval in place will give you an advantage in the market place when you are ready to write an offer.

Finding Homes

Once we have determined a price range, we will then meet and determine what you are looking for, we narrow it down by, the type of property, location, size, # of bedrooms, # of bathrooms, and everything else that is important to you.

Viewing Properties

Once the properties are found via the search I will make appointments on your behalf to view the properties during times that fit both our schedules.

Placing an Offer

We will evaluate the properties you are interested in purchasing and place an offer based on what we believe the property is worth. From there we present the offer to the listing realtor and negotiate on your behalf to get you the best deal we can.

Offer Conditions

When writiing the offer we set conditions on all or a few of these; Inspection, Financing, Insurance, Water & Septic etc. Once the inspection on the property passes, finances are cleared from the lender etc etc. The conditions are waived and the property is your on completion date.

Lawyer

All the documents will be sent to your lawyers office and your lawyer will contact you to visit the office to review and sign documents.