Services To Buyers
Home Buying...
Step By Step

Establish a relationship with a Realtor.. I am a full time, professional Realtor with extensive market knowledge. We will work closely to find the right home for you Evaluate your needs with a Lender . . . Once we establish your needs, I will provide guidance to financial institutions where you can obtain the best financing available. We will meet to discuss your needs and analyze your options. Identify The Property To Buy . . . I will show you homes based on the criteria that we establish. With our background work complete the search process will be less stressfull and you will be better able to relax and enjoy the process of looking for the right property Determine The Sellers Motivation . . . Once you have found the home that you wish to purchse, I will do all the necessary research to help you structure an effective offer. Write An Offer To Purchase . . . I will draft the Purchase Agreement for you, advising you on protective contingencies, customary practices and local regulations. At this time you will need to provide an "earnest money" deposit. (This deposit is not cashed until your offer has been accepted by the Seller). Presentation Of The Offer . . . I will present your offer to the Seller and the Seller's agent. The Seller has three options: they can accept your offer, counter it, or reject it. My personal knowledge of your needs and qualifications will enable me to represent you in the best way possible. The Seller Responds . . . I will review the Seller's response with you. My negotiating skills and knowledge will benefit you in reaching a final agreement. After Your Offer is Accepted . . . When the Purchase Agreement is accepted and signed by all parties, your earnst money will be deposited. The title company will begin title work and we will begin to satisfy any contingencies contained in your offer. The Contingency Period. . . This is the time allowed per your Purchase Agreement to obtain financing, perform inspections, and satisfy any other contingencies to which your purchase is subject. Typical contigencies include: - Approval of the Sellers Property Disclosure Statement - Approval of the Attorny's Preliminary Title Opiniont - Loan approval including the credit approval - Fee Appraisal of the property - Physical inspections of the property Homeowners Insurance . . . I will coordinate between your insurance Agent and the Title Company to make sure your policy is in effect at close of sale. Down Payment Funds . . . You will need a cashier's Check or money transfer prior to the closing date setforth in your offer. Closing Day . . . When all the conditions of the Purchase Agreement have been met, you will sign your loan documents and closing papers. You will pay the balance of your down payment and closing costs to the title company. The Deed will then be recorded at the County Recorder's office and you will take ownership of your home! TAKE A TIP FROM Me. . . Arrange for movers now. I will offer suggestions to you, so you can shop for the best price.