Step 1:  Find the Best Real Estate Agent for you

Real estate agents should be experts in the home buying process, with their expertise, negotiating skills and knowledge of the area you’ll be on the path to find your first, next or dream home. Best of all, it doesn’t cost you anything to have an agent on your team.

Step 2:  Get Pre-approved for your Mortgage Loan

Your real estate agent can put you in touch with a local lender who can help you determine how much home you can afford. In order to get a pre-approval most lenders will require two recent pay stubs, bank statements and w-2s.

Step 3:  Shop for your Home

After you know how much home you can afford your real estate agent will set you up on a listing feed so you can begin touring homes in your price range.

Step 4:  Make an Offer

Once you find “the one”, your real agent will help you determine a fair offer price for the home based on comparable homes in the same area. You’ll also discuss additional conditions such as inspection period, warranties, etc. 

Step 5:  Negotiate the Contract

Most of the time, the buyer(s) and seller(s) won’t agree to the first offer laid on the table, so be prepared for negotiations…you’re real estate agent will handle this for you. 

Step 6:  Complete Home Inspections

Home inspections are completely optional but highly recommended. A certified home inspector will thoroughly inspect the home to educate the buyer on the current condition of the property and advise them safety issues, etc.

Step 7:  Order the Appraisal

Your lender will arrange for a third party company to provide an estimate on the value of the home you are purchasing, known as the appraisal. The appraisal assures that you are paying a fair price for the home.

Step 8:  Complete Loan Process

The loan process will be in full swing from the time the contract is entered into. As the end you’ll simply be buttoning up loose ends, known as conditions, where they are a result of underwriting or the appraisal.

Step 9:  Close the Deal

Once the loan is approved for funding you’re ready to schedule the closing. Closing typically occurs at the title company of the seller’s choice. At closing the buyer(s) will sign all things related to the purchase of the home, ie. mortgage, deed, survey, etc.

Step 10:  KEY TIME!

Once all signing is completed your real estate agent will hand you the keys to your new HOME!

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