BUYING A HOME

Whether it’s your first home or if you’re an experienced buyer, purchasing a home is a complex process. By working with me, you’ll find a home in the neighborhood where you want to live, one that fits your budget and meets your goals for features, quality and value. Once you’ve found the home that’s right for you, I will guide you through the process of making an offer; negotiating the terms of the sale; getting your potential purchase inspected, repaired and appraised; and closing the sale.

The Buying Process

Purchase & Sale Agreement 

Once an offer has been made by a buyer and accepted by the seller, the two parties enter a Purchase and Sale Agreement.  This legal contract documents terms and conditions particular to the potential sale, and is legal and binding for both the buyer and seller once completed and signed.

Inspection 

Once the terms of purchase are agreed upon, a home inspector thoroughly inspect the home. Specific concerns about a property are investigated at this point. In addition a typical inspection includes looking at major components such as the foundation, structure, plumbing and electrical, water heater, basement and roof of the home. Any previously unknown issues are also noted during inspection. Buyers and their agents use this inspection to negotiate the price of the home to take care of any costly repairs or issues that may have been found during the inspection. A typical cost for a home inspection is between $300 and $600.

Home Inspection

Appraisal

A bank or lender will require a home appraisal to ensure the home is worth what they are committing to lending you.  Appraisals are set up through the escrow process and the costs are typically taken care of in closing. 

Negotiation 

Negotiation is crucial to getting a great deal on any home. Final sales price, down payment and earnest money, repair concessions, and financing are all key components up for negotiation.  Our expert agents go to work navigating this crucial step, representing your interests and ensuring that you get the best deal possible on your new home.

Above view of consultant shaking hands with her client
Home Financing

Financing 

As the sale begins to solidify on an actual purchase price the details of your final loan approval must be worked through with your lender.  Even if pre-approved, ensuring all the details are covered in this step is crucial to a home-buy.

Title Insurance 

This full report will detail the property history to ensure there are no legal obstacles between a new owner and the property they are looking to purchase in case the seller does not possess full ownership of the property.

Title Insurnace
Escrow

Escrow 

Once a closing date is set and the offer is accepted, escrow ensures the completion of a contract by bringing in an outside escrow party to inspect the agreement and confirm it is valid and complete. Our agents ensure all necessary documents are submitted to an escrow company of your choice, and follow through with them until this step is complete. 

Closing 

All paperwork is finally signed by the buyer and the seller. Settlement and lender fees, homeowners insurance, and property taxes are all examples of potential closing costs.  Upon the closing of any outstanding fees, documents are officially recorded and legally documented.  Congratulations on your new home!

Young happly couple at their new house
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When you work with us, you will:

  • Be more likely to find the home that meets all your criteria
  • Lessen the amount of time it will take to find your home
  • Understand all the terms, processes and documents used when buying your home
  • Have up-to-date market information that will allow you to make informed decisions
  • Have a skilled negotiator working on your behalf, one who is committed to looking after your best interests
  • Enjoy peace of mind, knowing that all the details of your purchase are being taken care of by an experienced and knowledgeable professional

Contact us to see how we can help

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