The Buying Process

PRE-MOVE CONSULTATION

We’ll meet at my office to discuss your goals, ideal timeframe for a move, what you’re looking for in a home and set expectations for moving forward.

FINANCING QUALIFICATION

You’ll consult with a lender to review available loan programs & interest rates, review projected monthly payment figures, source down payment funds and analyze your income & work history. They can then issue you a “Pre-Qualification” letter.

SEARCH FOR HOMES

We will create your custom home search and set you up on portal access where you can log in to search as well. Plus, you’ll receive new listings automatically as they hit the market within your search criteria.

VIEW PROPERTIES

Now it’s time for us to go see the homes you like online, in person!

SUBMIT AN OFFER

Once we find the right home, we’ll analyze the comparable sales together and decide what to offer. The seller can then accept, reject or counter your offer and we’ll guide you through that process.

OPENING ESCROW

Once a seller has accepted your offer, it’s time to officially move the transaction forward. Opening escrow means you will deposit your earnest money with the title company.

LENDER WORK BEGINS

Your lender will be requesting updated financial items and you’ll be signing your loan disclosures.

INSPECTION PERIOD BEGINS

Normally we will have 10-days to complete your inspections, which usually consists of a thorough general inspection and termite inspection. The seller will also provide Disclosure Statements for you to review.

APPRAISAL

Unless a cash transaction, your lender will order an appraisal to be completed for the home to ensure you’re paying no more than market value.

LOAN UNDERWRITING

Your loan officer and their processor will turn the file over to an underwriter, whom reviews everything to ensure you meet the loan guidelines. If you do (which you should), then loan approval will be granted.

SIGNING

Once loan approval is granted and all conditions of the loan have been met, then the loan documents will be sent to the title company, whom will review and then contact you to schedule your signing appointment. This is also when you will bring in your down payment and closing funds.

FINAL WALK-THRU

We will meet at the home one more time to ensure all repairs were taken care of and the home is still in the same condition as when we originally viewed it.

CLOSING

Your loan will typically fund a day or two after you sign and then the title company can release the recording with the county recorder’s office.

YOU OWN IT!

Once recorded, we will call you to let you know where to find your keys and you should be a happy homeowner!