Step 1: Getting Pre-approved- not only starts your house hunt off on the right foot, but more importantly, it gives you a leg up on the competition when submitting an offer.
Step 2: House Hunting- Work with our team to narrow down options or broaden your criteria in order to maximize the home search! Remember to take notes, sometimes the homes can start to run together! If possible, we advise seeing your top choice for a second time, this will solidify your choice!
Step 3: Offer/Negotiations- You will need to bring a check with you to the offer writing appointment for your earnest money deposit. The check will be deposited AFTER the contract is accepted. We will consult with you about offer price, closing date, and other terms to purchase. This meeting should take about 1-2 hours.
OFFER ACCEPTED!
Step 1 : Home Inspection- A major milestone. We HIGHLY suggest you attend and thoroughly vet the inspector you are going to use. You will need to pay the inspector onsite for the services. After the home inspection there is an opportunity to ask the seller to make repairs. Consult with your agent to determine which items are appropriate to ask for.
Termite and Moisture inspection- These are mandatory with most loans. Who is responsible for this inspection depends on negotiations with the seller. Your home inspector will also check for issues but this inspectors report always supersedes.
Step 2: Loan Application- If you haven't done so already it's time to make an appointment with your lender! They should have already provided you with a list of all the documentation they will need. They may also require a check for an appraisal.
Step 3: Pick a Closing Company- The Closing/Title Company will be conducting your closing at the end. They will also do your title search and collect all the information for your lender paperwork!
Step 4: Choose Insurance Company-You will need to select an insurance company for Homeowners Insurance. If you have a relationship with someone GREAT! If not let us know, we have great referrals!
Step 5: HOA Docs- If your new home is in an Association, then the seller will be responsible for getting you a full list of rules and regulations of that neighborhood. You will have 3 days to review and agree to them before moving forward.
Step 6: Schedule Utilities- Plan on scheduling your utilities to be turned on the day of closing! You do not want to forget this step! Moving with no AC is NO FUN!
Step 7: Final Walk Through- This is your opportunity to check all repairs, items to convey, & to make sure the house is in the condition you are willing to accept. We REQUIRE you to be in attendance for this last step! Once this is complete and everything checks out... you are off to closing!
FINAL: Closing- This usually takes about an hour! We will be there with you to help answer any questions you may have! Once you sign, you get your keys and you are free to move in! YOU DID IT!!!
