The Home Buyer Guide
A step-by-step guide to buying a home.
Go see homes.
Have your realtor set you up on a custom and specific home search based on your ideal home. Once you identify homes that peak your interest, go see them! Going on showings is the best way narrow down your search AND get more comfortable with the home buying process as a whole.
#01
Speak with a Lender. Get pre-approved.
Talking with a lender will lay the foundation for your entire home search. You’ll pick the best loan program for you and establish the maximum home price you can afford so you can start setting your budget.
Ask us about our preferred lender!
#02
Set your budget.
Now that you know what you CAN buy. It’s time to establish what makes sense for you financially. Talk with your financial advisor or trusted finance person to create a budget for your ideal monthly mortgage payment. This will allow you to set the price you DON’T WANT to go above.
Ask us about our preferred Financial Planner!
#03
Hire a realtor.
Buying a house is one of the biggest purchases you’ll make in your entire life. Hiring the right professional to represent your best interests can make or break the entire experience. Find an agent that you can trust will do their proper fiduciary duty to ensure you’re buying the right home, at the right price, with the proper terms, and in the smoothest possible manor.
#04
#06
Do the inspection.
During the due diligence period (inspection period), you will have ample time to hire a professional home inspector to ensure the house is safe and in the condition you need. If any issues arise, you can negotiate with the seller to complete the necessary repairs. YOU CAN BACK OUT OF THE CONTRACT DURING THIS PERIOD FOR ANY REASON.
#08
Close & move.
The hard part is over! Go to the closing table, sign all the documents, then pop the champagne move into your new home! Congratulations!
#05
Make an offer.
Once you find the right home, don’t be afraid to make an offer! Consult with your realtor about writing an offer that both meets the terms you need, AND helps you win the deal. In an offer, you set the price, closing date, inspection period terms, earnest money amount, closing cost assistance from the seller, and the necessary contingencies to protect your best interests.
_edited_edited.jpg)
#07
Secure your financing.
The bank will come out to perform the ‘appraisal’ - this ensures that the home value actually matches what the home is being purchased for. On your end, getting all the necessary documents to the mortgage lender on time is crucial for a smooth and on time transaction. The lender will let you know everything they need to get to the closing table.
