Let’s get together! Everyone’s home search is unique and there’s an unique path on how to approach finding that home. We’ll come up with the best plan for you to minimize obstacles during the home search.
Do you need down payment assistance? What loan program is best one for you? What is earnest money? Do you really need title insurance? Not only will I answer these questions for you, I’ll answer any other question you may have.
Can’t meet up because you’re a busy person? I can meet you in the evenings, on weekends, even hangout together on a video chat…whatever method that works best for you!
Before you start your home search, you need to know what you can afford. Getting your pre-approval is the next step. START Real Estate has three great lenders we work with, and they can look at your current financial situation with first class customer service. Typical pre-approvals are valid for 120 days.
Items the lender needs from you…
W-2 forms or 1099 forms for self-employed
30 days of paystubs
2-3 months of bank statements
Personal tax returns for the past 2 years
Record of any address you’ve resided at for the previous 2 years
This is the fun stuff!!!
I’ll get you set up in a portal. This portal will notify you of new listings fitting your criteria, like location, number of bedrooms, single family home, etc. If there is a home that catches your eye, let me know. We then will schedule a time together to see the home.
Don’t be shy in your opinions about the home. Make known your likes and dislikes while you are inside the home. This is how we will narrow your search to finding that home that suits you best. In addition, I’m going to point out items of concern that maybe you are unaware of inside the home. I’m here to protect your best interests!
When you find that home you love, you’ll need to make an offer on it. I’ll walk you through the offer, paragraph by paragraph, so you’ll know what you are offering. The offer is also a binding contract. You’ll need to know the ins and “outs” of the contract, how you can terminate the contract and how you can violate the contract. The contract contains dates that you and the seller need to abide by.
Here are the important things to know in the offer…
Earnest Money Deposit – Amount Needed and Due Date
Inclusions and Exclusions
Inspection, Appraisal, Insurance, Loan Acceptance and Closing Deadlines
Special Clauses – To Get the Offer Accepted by the Seller
The offer is now signed by the seller and you. Hiring an inspector is kind of a big deal. You certainly want to know what is wrong with the home you are buying BEFORE you actually buy it. An inspector will report to you everything that is of concern about the home. The inspector won’t move heavy furniture or break into walls, but they will notate whatever they find. You can always leave the contract if you are not happy with the inspection!
Closing Day! It’s time to dot the I’s and cross the T’s. You’ll be going through all of the final paperwork, signing your name A LOT, gaining proper title and receiving the keys to your new home! Congrats!
Now you can “START” thinking about moving in. Hiring help to move your stuff (or provide drinks to your friends and family to help you move!). Transfer utilities into your name, schedule services like TV and internet to be turned on and file a change of address with the post office.
If you are renting, you’ll need to give proper notice of leaving to your landlord, you’ll need to give it a final cleaning and you’ll need to turn in your keys. Allow some time to make a move, if possible, of a few days, so you aren’t stressing getting everything done in a day.
It’s time to celebrate! Invite your friends and family over to your housewarming party at your new home! Take pictures and create a lot of great memories! You deserve it!
If you have questions about any part of the process, or are ready to START finding your new home, please reach out to me.