Step - 1 Make the Decision to Buy

It seems obvious, but it's good to note that the first step to buying a house is making
the decision to buy. Consider the reasons you want a new house and write them
down. Determine how long you want to live in the new house - does buying still make
good financial sense? Can you afford a house that will meet your list of
requirements? A good rule of thumb is your mortgage payment should not exceed
1/3 of your net monthly income.
Step 2 - Seek Professional Guidance

We would like to schedule a time to meet with you to hear the reasons you want to
buy a house and your plans for the future. We'll talk about neighborhoods, schools,
economic factors liable to affect the market today and tomorrow, as well as how you
would like your house and neighborhood to grow with you.

At this time, We will also help you get pre-qualified for a mortgage loan.
Pre-qualification is a written statement from a loan officer indicating his or her
opinion that you will be approved for a mortgage loan up to a certain amount. The fact
that you are pre-qualified will help us when we are negotiating the deal.
Step 3 - Begin the Hunt

After our initial meeting, We will search all my resources for houses on the market that fit your criteria. I'll preview these houses to eliminate the duds.
Then, We will schedule appointments to tour the houses at times convenient to you.

As we tour houses, We will point out positive features and negative features. We'll ask you to tell us what you like and what you don't like. You'll probably
amend your "wish list" as we tour houses, some things will become more important and others less important. With this new information, We'll refine
our search criteria to narrow in on the house of your dreams.
Step 4 - Know the Market

Our knowledge of the local market is an essential factor in the house search. We'll let you know when the
market in a particular neighborhood is "hot" and requires immediate action or when the market is "cool" and
allows for thoughtful consideration.
As we tour houses, We'll let you know when the asking price has negotiating room and when the house is
"priced to sell". Our unique market knowledge will keep you a step ahead of the "house hunting
competition".

In a "seller's market". It is not unusual to see multiple offers on a property, full-price offers and even
above-price offers. On the flip side, during a "buyer's market" there are more houses for sale than
buyers. This gives us more negotiating room as houses are taking longer to sell.
Step 5 - Find Your Dream House

We are confident we'll find your dream house. When we do, I'll put together the purchase offer tailored for your needs including appropriate
contingencies (such as obtaining financing, favorable home inspection, clear title, etc.).

The offer is normally presented with "earnest money". This is a cash deposit made to a home seller to secure an offer to buy the property. The amount
is applied to closing costs. If the seller accepts the offer, generally closing is held 30 to 60 days from the offer date (generally dependent on the turn
around time of your mortgage financing).
Step 6 - Negotiate the Deal

It is not uncommon to receive a counter offer when the initial purchase offer is submitted. Don't let this discourage you. We will discuss the counter
offer and decide whether or not to accept the counter offer, submit our own counter offer, or reject the counter offer and move on.

Market conditions will play a role in how aggressively we negotiate the deal. We will also work within your limits. Emotions can lead to buyer's remorse.
It is better to set limits prior to negotiating an offer and stick to these limits.
Step 7 - Get a Loan

During the closing period, you will be working with your mortgage lender to close the loan. Since you pre-qualified for the loan before starting your
home search, you will be that much closer to the end. we'll gather the necessary property information your lender will need to close the loan.
Step 8 - Close the Deal

You will receive a "Good Faith Estimate" of closing costs at the time the loan application is submitted to the lender. The estimate is based on the loan
officer's past experience and may not include all the closing costs. We will be glad to review the "Good Faith Estimate," answering questions and
highlighting missing costs and estimates We believe to be low.
Step 9 - Move In

Congratulations! It's time to move into your new house and make it your home. Enjoy this exciting time. We will give you a checklist to help you
remember the numerous details that will make your moving day a pleasure.
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BUYING A HOME IS EASY WHEN YOU HAVE A GUIDE!
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