YOUR FIRST STEPS

  • Determine your needs and priorities
  • Review “agency” choices and select appropriate working relationship
  • Discuss financing options

OBTAIN FINANCING

  • Find a mortgage company
  • Consult with a loan officer
  • Pre-qualification
  • Complete loan application
  • Obtain loan pre-approval
  • Provide requested documentation

FINDING THE RIGHT HOME

  • Sales associate to show you properties based on your criteria
  • Evaluate each property with sales associate
  • Choose the right home

REACHING AN AGREEMENT WITH A SELLER

  • Present your offer
  • Negotiation of terms and possible counteroffers
  • Agreed-upon sales contract with seller

COMPLETING THE SETTLEMENT PROCESS

  • Deposit of earnest money
  • Review seller’s property disclosures
  • Review preliminary title report
  • Roof, termite and other inspections
  • Remove any remaining contingencies
  • Arrange for homeowners insurance
  • Arrange for home warranty
  • Arrange for movers
  • Final walk-through of property with sales associate
  • Provide balance of down payment and closing costs
  • Sign Documents
  • Loan Funding

OBTAIN FINANCING

  • Property appraisal
  • Loan processing
  • Final loan approval
  • Recording of title
  • Receive keys from sales associate
  • Move in!