Home Buying Process

First, you'll want to fill out the Dream Home Finder form. This will give us a general understanding of what you are looking for and help make our consultation meeting a more productive use of your time.

During our meeting we'll discuss your housing wants, needs and desires including your time frame, design preference, most desirable locations and neighborhoods, important community amenities along with any other criteria that may impact your home buying decision.

A mortgage consultant will help you determine what type of loan is best for you. As a certified trained professional, they will help you understand what financing options are available and the benefits of each in relation to your personal needs and requirements. We can introduce you to one of our preferred lenders or you can select your own.

The Loan Consultation is a free service from our preferred lenders and there is no obligation on your part to use them. They will provide you with a Free credit report along with a summary of available interest rates and loan programs best suited for your individual need.

The process of looking at homes and neighborhoods to determine where you'll be living next is exciting and fun. After the home consultation and loan pre-qualification, we'll have the information needed to identify available homes that best suit your requirements. We'll conduct a detailed computer research of the online Multiple Listing System (MLS) and assemble a list of candidate properties.

As candidate properties are identified, we'll visit the properties together and take care to see that any and all of your questions are answered to your satisfaction. You'll also receive regular updates as new listings enter the market that meet your search criteria. This process will continue until we find a home that you feel is a best match for your needs.

We are confident we can find your dream home that you feel will match search your criteria and timeframe. Once the property is identified, we'll do a comparable market analysis to determine the correct value of the home and gather available information about the seller to help put you in the strongest possible negotiating position. We'll then work together with you to prepare an offer you are comfortable with, and negotiate with the seller's agent on your behalf.

Your personal goals and best interest will guide us throughout the negotiating process to buy a home. We'll present your offer which will either be accepted or returned with a counter-offer. We'll be there to help guide you through every step of the decision process and to secure signatures on an accepted offer. Your earnest money check will be submitted to secure your offer.

After the offer is accepted, we'll assist you in selecting trusted professionals to conduct property inspections to make sure you have the information needed to confirm your buying decision. Typical inspections include a lender appraisal, radon testing, sewer line inspection, and a complete home inspection. If you are unhappy with the findings of any of the inspections for any reason you are free to cancel the contract and recover your earnest money.

In parallel with the property inspections, our team will help you stay on track and focused on completing the loan application process in order to get your loan fully approved and meet the target closing date. We'll guide you through the process of comparing interest rates and programs with different lenders so you can select the best loan package available to you.

Also during this time will need to have utilities transferred into your name and be sure that home owner's insurance in scheduled and in place to begin on the day of closing.

On the day of the closing or the day before, we will walk through the home with you again. You will have the opportunity to conduct a thorough personal inspection to make sure you are completely satisfied with the home you are buying. Your main concern at this point is that the home is in the same condition as it was when you wrote the offer and commissioned the professional inspections. If anything has changed, or if, for example, the appliances have been removed and they were included in the contract, you have a right to delay the closing until the seller replaces them.

After the final property walk-thru, it is time for the closing. The closing will usually happen at a title company. We will attend the closing with you and take care to check all the numbers on the settlement statement and explain the details of the paperwork.

Our primary role at this point is to make sure that everything is in order and that you understand the terms and conditions of the documents you are signing. The title agent will verify that all the real estate and loan documents have been signed and the funds have been received by the seller. You'll then receive the keys to your new home according to the time specified in the contract.

Our service does not end after the closing. A few days later and periodically thereafter we'll check-in to be sure you are happy with your new home. We'll strive to keep you informed of any real estate related news or information relevant to your home or neighborhood. And we'll make ourselves available to you to answer any questions that may come up.