Buyers

Buying a Home

Finding and purchasing a home that will meet your needs is a significant and often stressful time. Our goal is to make this transition as smooth as possible. We are experts in the area, and once we learn what it is that you’re looking for, finding your dream home is simple.

The Steps

Buy or Sell First

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Pre-Approval

  1. Your Credit Score
    Knowing your credits score will help lenders decide if you're a good candidate for a loan. The higher your credit the better

  2. Your Employment History
    Lenders want to make sure you can regularly make mortgage payments, with no major gaps in income.

  3. Your Assets and debts
    Lenders want to know your debt-to-income ratio to know if you can make each loan payment with the income you earn.

Choosing A home

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Understanding Offers

Once we draft and present the offer a few things could happen, here's a breakdown of the offer process and what you can expect.

  • ACCEPT
    Your offer is accepted! Time to celebrate, now we will move ahead with any conditions laid out in the offer like home inspection.

  • REJECT
    The Seller may reject your offer. We will ask questions to discover why and if there is anything we can do to make the offer more appealing.

  • COUNTER
    The Seller may come back with their own offer. In this case, we will review the terms with you and continue to negotiate until we reach an agreement.

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Elements of an offer

  • Price
    The price of the home.

  • Deposit
    Will be applied against the purchase of the house when the sale closes. Typically 5%.

  • Terms
    Terms include the total price offered and the financing details.

  • Conditions
    Conditions are items that must be sompleted or fulfilled prior to the closing.

  • Inclusions and exclusions
    Items included or excluded.

  • Closing Day
    The closing day is generally the day the title of the property is legally transferred and the transaction of funds finalized.

Work With Us

We pride ourselves in providing personalized solutions that bring our clients closer to their dream properties and enhance their long-term wealth.

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