Buying

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• Make the decision to purchase a home based upon personal desires and family needs.
• Make a list of things you must have in your new home.
• Obtain a pre-approval from a licensed mortgage representative.
• Ask your Realtor to represent you as a Buyer’s Agent.
• Communicate your buying preferences with your agent.
• Your Realtor will compile a list of homes based upon your buying preferences.
• Choose four to five properties to check out.
• After viewing the homes, select the one that makes the most sense to you.

• Meet with your Realtor to finalize an offer for the home.
• Work with your agent to negotiate the best terms for your purchase.
• Select an attorney and review your contract with them. Ask them any pertinent questions you might have about your purchase.
• Have your home inspected and review the results to ensure you are satisfied with your future home.
• Submit your deposit to secure your home during the mortgage process.

• Apply for your mortgage with your lender.
• Provide any additional required documentation to your lender in a timely fashion. This will ensure a quick turnaround with the mortgage underwriter.
• Review, sign, and submit your commitment letter to the lender.
• Fulfill any conditions provided by the lender.

• Day 61 – 70 ~ Contact your homeowners insurance agent to make payment and receive your binder.
• Day 72 ~ Schedule closing with your attorney and receive closing figures to ensure you obtain the proper bank drafts.
• Day 73 – 74 ~ Go for your final inspection. Make sure the home is in the same condition you last saw it. Collect meter readings to provide to your utilities.
• Day 75 ~ Attend closing with your attorney.

• Move in, & Enjoy!
• Don’t forget to do a Comprehensive Home Energy Assessment to learn how to get the most from your home.  Our agents can provide you with a pre-filled application to submit at your convenience.

** The days outlined above represents an approximate timetable.  Times may vary depending on the availability of homes in your desired geographic location, type of property, negotiations, type of financing, your mortgage application process, and your attorney’s schedule and review of necessary documentation.