Why Buy
With Us

Why Buy
With Us

Our goal is simply to ensure that we help you find the perfect home, and that achieve this as efficiently and stress free for you as possible.

We have helped hundreds of buyers find the perfect home or property and a huge part of our business is repeat clients and referrals from our happy clients. We know we can’t succeed if you don’t get what you want and we will work tirelessly to make sure that we reach and exceed your expectations.

We understand that this is a huge event in your life so we do whatever is needed to help you feel comfortable and informed throughout the process.

If you provide us with the opportunity to work with you, I know you will be glad you did!

Buyers Guide

Our goal is simply to ensure that we help you find the perfect home, and that achieve this as efficiently and stress free for you as possible.

We have helped hundreds of buyers find the perfect home or property and a huge part of our business is repeat clients and referrals from our happy clients. We know we can’t succeed if you don’t get what you want and we will work tirelessly to make sure that we reach and exceed your expectations.

We understand that this is a huge event in your life so we do whatever is needed to help you feel comfortable and informed throughout the process.

If you provide us with the opportunity to work with you, I know you will be glad you did!

Buyers Guide

The Home Buying Process

Here is a basic outline of how the process works once you have found the perfect home and you want to purchase.

Please keep in mind that every home is different and no two transactions go exactly the same but here is the basic outline…

Make an offer

Once we have discussed the terms you would like to offer we will put together a written offer for you to review and sign. Then we will then present it to the seller.

The basic terms include:

  • Offer price

  • Type of loan you are purchasing the home with. The down payment amount may vary depending on the loan program requirements and your individual situation OR we will write the offer as a CASH purchase.
  • Amount of the Earnest money deposit – This is the money you deposit in escrow and is the “consideration” (item of value) portion of the contract indicating that you are serious about purchasing the property. This money will also be credited toward your down payment and or closing costs at closing.
  • Closing Date – This it the date by which the deal will close. If all parties agree you can close earlier. Also, if for some reason the sale takes longer to close than the closing date a written addendum will need to be agreed to and signed by you and the seller to extend the closing to a new date.
  • Due Diligence / Inspection Period – When entering into a contract in the majority of cases a buyer has a period of days to back out for any reason and receive a refund of the earnest money deposit. During this same time period the Buyer will perform the inspection(s) of the property that he/she wishes to perform in order to get an idea on the condition of the home. Also during this period If there are items the buyers would like fixed or the buyer wants a credit for the seller for the property condition issues then the buyer and the seller can come to an agreement regarding these items or the buyer can cancel if the seller is not willing to accommodate the requests and the buyer should receive a refund of the earnest money deposit unless the contract states otherwise.
  • Seller Credits – Some buyers request the seller to credit them money at closing to help them pay for their closing costs and or in some cases the down payment. Buyers will typically ask the seller to provide a 1 year home warranty as well.
  • Who pays what – There are various fees that the buyer and seller each pay to sell/buy a property. The offer will indicate who pays what. Every offer is unique so these items changed based on what is offered and what all parties agree to.

Negotiation Time

It would be great if sellers always accepted all the offer terms but that is not the case. Sometimes sellers take longer than we want to decide what to do as well. Each offer has an expiration date which is usually 1-3 days by which the seller has to respond to in writing or the offer is technically rescinded. The seller will either accept, reject, or counter the offer. If the seller takes longer than the time given to send back a written response the buyer is not obligated to the contract since it has technically expired. However, the buyer can still choose to move forward as well. Once everyone has agreed to all terms and signed all the offer and counter documents then you have a contract!

What next?

Once we have a contract then there are quite a few items to take care of right away.

We open Escrow

Escrow is the third party that helps the buyer, seller, agents, and lender complete the transaction. They receive a copy of all the transaction documents and some of the services they provide includes insuring the title is clear, collecting and holding the earnest money deposit, handling the signing of the final closing papers, and recording the sale.

Lender

The lender receives a copy of the contract as well. Then you meet with him/her to sign all the initial paperwork and pay to order the appraisal. The typical process when working with a lender to get your loan approved takes about 30 days and they will request items from you throughout the process. Try not to get frustrated, every buyer and transaction is different so there is no way for the lender to get everything needed for approval up front. Plus with the recent lending guideline changes they are required to provide and collect more documentation than in previous years.

Get Qualified First

Speak with a Lender to Get Qualified Before Shopping For Your Home

Meeting with a Lender before looking at homes will answer some of the biggest questions and get your home search heading in the right direction right from the start.

Here are the essential takeaways from speaking with a lender:

  • How much do I qualify for?
  • What monthly payment am I comfortable with and what home price matches up with this payment?
  • How much money do I need for the down payment? There are many different loan options offered and some even allow for down payment grants allowing you to purchase without a down payment and other programs will allow for as low as a 1% down payment. Everyone buyers situation is different so going over your concerns and goals with the lender will help you figure out what your best option is.
  • Are there any credit issues that need to be cleared up before I can buy? Credit issues are something lenders deal with all the time and a good lender should be able to help put together a plan to repair any credit issues so your buying process goes smoothly.

Meeting with a lender before looking at homes will insure that you have these questions answered so you are able to confidently move forward with the purchase of a home understanding what you qualify for, what payment you are comfortable with, and that you will be approved for the loan when you find the perfect home.