The Home Buying Process

I want you to feel as comfortable buying your home as I am helping with the 1000th.  As a Real Estate agent part of my job helping you is walking through the process below.  If you want to sit down and have lunch of coffee to talk about it I'd love to talk to you just give me a call or email me through the website.

Phase I
A. First meeting with your agent
       Initial interview and discussion of needs.
       Agency disclosure
B. Get Pre-Approved for a loan
       Pre-approval can be given immediately followed by a final approval within 3-5 days.
       Credit report
       Job verification    
C. Inspect properties and find the perfect home!

Phase II - Negotiating your dream home.
A. Offer to purchase
       Submitted to seller through listing agent.
B. Negotiations
        Normally completed within hours
C. Final Contract

Phase III - Due Diligence
A. Inspections (home & environment)
       Within 5-7 days
B. Removal of contingencies
C. Waiting period prior to closing
D. Buyer responsible to purchase first year's homeowners insurance prior to closing.

Phase IV - Closing
A. Mortgage company/Bank
B. Appraisal within 1-3 weeks
C. Underwriting
D. Title search within 1-2 weeks
E. Preparation of closing documents by title company 1-2 days prior.
F. Final wolk-through just prior to closing
G. Closing at title company
        Normally takes 1 hour