Looking to make a home purchase?
Getting pre-approved for a home loan is the first step you can take to understand what price point you will be looking for. Finding a lender who understands your situation, goals, and needs is crucial. You can (and should) visit multiple lenders to find someone who you trust and want to work with. Banks, credit unions, and other mortgage lenders are all options to use when getting pre-approved for a home loan. Luckily for you, I have a vast network of great lenders and would be happy to recommend a few lenders to talk with!
Getting Pre-Approved
Time To Buy a Home. TIME TO BUY A HOME. TIME TO BUY A HOME. TIME TO BUY A HOME. TIME TO BUY A HOME. TIME TO BUY A HOME.
It’s time to sit down and discuss the home buying process! During our Intro Meeting, we will discuss how the process works, wants vs needs, and much more. Some of these topics will include:
- Options for financing your purchase. Are you a first-time home buyer, or experienced with the process
- The current housing market & what is available in your pre-approved range
- Getting to know your home criteria; wants vs needs
- Timeline & when you would like to be in a new home
- Availability for showings. Set days & times throughout the week to tour homes
- Explanation of the offer process, earnest money, escrow, closing timeline
- Understanding the negotiation process, inspections, and appraisal
The Intro Meeting
It’s time to sit down and discuss the home buying process! During our Intro Meeting, we will discuss how the process works, wants vs needs, and much more. Some of these topics will include:
- Options for financing your purchase. Are you a first-time home buyer, or experienced with the process
- The current housing market & what is available in your pre-approved range
- Getting to know your home criteria; wants vs needs
- Timeline & when you would like to be in a new home
- Availability for showings. Set days & times throughout the week to tour homes
- Explanation of the offer process, earnest money, escrow, closing timeline
- Understanding the negotiation process, inspections, and appraisal
After the Intro Meeting, we will have our first home tour day set for seeing 3-5 homes that fit your criteria. Touring homes in person will always allow you to walk away with a better understanding of exactly what you want. Many buyers working within a specific budget will begin to understand the give and take with each home they tour. You will begin to realize that your want & needs such as location, condition, style, price, and amenities will become clear, and it will allow you to narrow your search.
You will have a personalized search set up for you based on your specific criteria, and you will get daily updates of homes that hit the market. As the homes hit the market throughout the week, we will schedule your top 3-5 homes to see each week, based on the schedule we set during the Intro Meeting.
Tour Homes
Once you find “the one”, it’s time to make an offer! There are many different scenarios when making an offer on a home. Some questions that we will discuss include:
- How long has the home been on the market?
- Are we competing against other offers?
- How can we make our offer the most appealing to the seller?
- On a scale of 1-10, how would you rate this home that you’re making an offer on?
- Earnest Money is a “good faith” deposit put down before closing. This shows you are a serious buyer. Earnest money also protects the seller if the buyer backs out. Earnest money is usually 1-3% of the sale price. This money is held in a escrow account, and will be applied towards the purchase cost when the deal finalizes.
- Contingencies (financing, inspection, title, feasibility, etc.). We will go into depth about your options, and the pros & cons of adding these
- Purchase price & escalation clause (if needed)
- Closing date
Submitting an Offer
Once you find “the one”, it’s time to make an offer! There are many different scenarios when making an offer on a home. Some questions that we will discuss include:
- How long has the home been on the market?
- Are we competing against other offers?
- How can we make our offer the most appealing to the seller?
- On a scale of 1-10, how would you rate this home that you’re making an offer on?
- Earnest Money is a “good faith” deposit put down before closing. This shows you are a serious buyer. Earnest money also protects the seller if the buyer backs out. Earnest money is usually 1-3% of the sale price. This money is held in a escrow account, and will be applied towards the purchase cost when the deal finalizes.
- Contingencies (financing, inspection, title, feasibility, etc.). We will go into depth about your options, and the pros & cons of adding these
- Purchase price & escalation clause (if needed)
- Closing date
Congrats! Your offer has been accepted and you are now under contract. Here are the next steps I will walk your through:
- Depositing earnest money to escrow
- Scheduling & conducting your home inspection
- Negotiating throughout the process (negotiation continues until we close!)
- Appraisal
- Closing day & key hand-off!
Under Contract
Ready to Buy?
Let's Work Together
