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Home Buying Process

Get Pre-approved

  • Approval is based on debts & income

  • Spending limit

  • Interest Rate (6.25%-7.5%)

  • Fixed rate or adjustable rate

  • Monthly payment

  • Cash to close

Consultation

We can do a consultation before you get pre-approved or after. But the consultation is crucial to find out exactly what you're looking for. At this 30-45 min meeting well talk about all the important features you want in a home. I’ll also go through the whole home buying process that way you know what to expect and can be prepared. Of course, we do not expect you to remember anything from the meeting since it is a ton of information, it’s really just for you to get an idea of how the transaction will go. We will be there to help you through the whole thing and will still let you know of every step as we go, so you won’t have to worry about anything.

  • Home buying process

  • House search (Your wants & needs)

  • Automated MLS search

  • MLS Vs. Zillow and other websites

House Showings

Once you have your pre-approval letter we can start seeing properties. During this process we will see homes in the areas you're interested in that fit your criteria. We can see houses from 8:00am-7:00pm. You’ll notice as we see houses you will start to like some floor plans more than others, and some features will start to stand out. We take note of the items you like and focus on them to help you find the perfect home.

You will never feel any pressure working with us, we want you to feel like you’re working with a friend, someone who genuinely is there to help you make a good decision. We don’t care if you see 5 houses or 100. Or if you take 1 month or 2 years to find a home. We want you to enjoy the process, and take your time making the right decision, we will always be next to you to answer any questions regarding the process or anything you are concerned about.

  • Scheduling showings (Address or screenshot).

  • Meet at property for 15-20 minutes

How Much Will It Cost?

Here is a list of all the costs associated with buying a home.

  • $1,000

    Credited back at closing

  • FHA 3.5% of price

    Example: $300,000

    $10,500

    Conventional 3% minimum

    Example: $300,000

    $9,000

  • Agent compensation

    3%

    Bank Closing costs

    3%

    Title Fees

    .5%

  • Home Inspection $350.00

    Termite Inspection $100.00

    Radon Gas $120.00

    Sewer Line $ 150.00

    Total: $720.000

Make Offers

Once we find the perfect home for you, we can start making offers. We will help you negotiate the best price possible to help you save. Every buyer’s situation is different, if you need assistance with closing costs, we can negotiate that with the offer as well. We work for you, and we’ll try our best to make the purchase smooth and accommodating for both parties.

  • DOM

  • Negotiate price & closing costs

  • Earnest deposit

  • Electronic signatures

Inspections

We have the right vendors to help you inspect your new home. The most common types of inspections are.

  1. Home inspection

  2. termite inspection

  3. Rados Gas

  4. Sewer Line

The cost for all these inspections is generally 750.00. You will only conduct inspections on the house you're buying.

Appraisal

The bank appraisal is required to do the loan, they want to make sure its worth what you're paying for it. If you’re paying 350k for a home, then the appraisal has to come in at 250k. If for some reason it comes in lower, then we have 2 options. The seller has to come down to the appraisal amount, which is most common. Or you would have to come up with the difference. Of course, we are at your side helping you negotiate the best option for you.

  • Appraisal fee $500.00

  • Must appraise at purchase price

  • If lower, must renegotiate

  • Buyers do not go to appraisal, only listing agent.

You Did It! Closing Time

You made it to the finish line, now we can celebrate. I’ll help you coordinate everything and make sure all the documents are ready for you to sign on closing day. The bank will let you know how much your cash to close check needs to be. The only accept cashier checks for closing day. You will only need the check and your ID to sign at the title company. I’ll be there to guide you on how much you need and to who you’ll make the check to. I will also help you with setting up your appointments at the corresponding title companies for you to just come in and sign.

Once you sign the fun begins and you get possession of your new home and can start to move in.

  • Cash to close amount

  • Meet at the title company (Address provided)

  • 45-60 min

  • ID, DL or passport

  • Get the keys

  • Possession per contract