Starting Your Homebuying Journey
We're in this together...
STEP 1 | Get Prequalified & Set a Budget
If you’re financing your home purchase, you will need to get a pre-approval from a bank or lender. The bank or lender will assess your financial situation to determine what type of mortage and amount you should be able to manage.
When setting your budget, keep in mind there are additional costs associated with purchasing and owning a home, including closing fees, taxes and home insurance, that need to be factored into your overall expenses.
The mortgage loan will likely not take into account your other lifestyle expenses, so use the pre-approval amount as a starting guide to determine what you’re truly comfortable paying for a home.
STEP 2 | Book a Consult & Set Goals
The key to a successful house hunt is not only knowing how much you can afford, but also what you’re looking for and where.
We will guide you through the search process to help you find a home that best fits your goals.
Keep in mind that your search and timeframe may be affected by various factors, such as how quickly you have to move, how flexible your wishlist is, and the current housing market.
The House Hunt
For many, this is the fun part!
Knowing what you’re looking for and understanding how it will fit your budget and lifestyle can make the process of finding the right house much easier.
Having a wishlist will help us set up a more targeted search and schedule showings for houses that best fit your criteria.
STEP 4 | Negotiate Like a Pro
This is the moment you've been working toward! Finding a home you love and deciding to make an offer on it is an exciting moment.
We will submit your offer and pre-approval letter (if you’re financing) to the seller’s agent and help you through the back-and-forth counteroffer process.
Not everything will be negotiable, but understanding the market and negotiation process can help you come to the table fully prepared and we will fight hard on your behalf to get the best deal possible.
The Final Stretch
STEP 5 | Home Inspection, Appraisal & Mortgage Approval
Once all terms of the offer are negotiated and agreed upon, you and the seller will sign the contract and you are ready to move to the next phase of the process, which includes a home inspection, appraisal and mortgage approval.
The home inspection is your chance to learn about the home's condition in more depth, including its structural health, the age and condition of the utilities, and more.
While you're conducting a home inspection with a licensed inspector, an appraiser will be sent to the home by the bank to assess the home's actual value.
STEP 6 | The Closing & Getting Your Keys
Time to get your keys!
Once your financing has been approved by the bank and the buyer and seller attorneys have all the paperwork necessary to transfer ownership of the home, including a clear title check, the attorneys will coordinate and set the closing day. You will receive a clear to close and a set of closing documents to review and acknowledge before the closing.