First, you need to know what your needs are. What kind of home and neighborhood would best suit you? Make a detailed list and divide your lists into negotiable and non-negotiable items so we can operate with some flexibility.
Next, find out what you can afford. Evaluate your income, bank accounts, investments, loans, and expenses. Your credit rating will also affect the type of property you can buy, so check that too.
Once you have a budget, we need to help you research and compare available mortgages. We’ll help you ask the right questions (about fees, down payments, mortgage insurance, rates, etc.), weigh the pros and cons, and make the best informed decision for your situation.
Now, we need to get you pre-approved. The Real Pro Team works closely with some of the top loan officers and attorneys who will look out for your best interests. Getting you pre-approval letter gives you a concrete number and this signals the seller that you are a serious buyer as you have gone through an extensive financial background check.
Let the house hunting commence. This process can be overwhelming and must be approached with careful planning and organization. Armed with the list you prepared, the Real Pro team will do the initial scouting for you. We’ll alert you of listings with strong possibilities and for those that you are sincerely interested in, we’ll arrange home tours at your convenience.
Time to make an offer and negotiate. The Real Pro Team will come up with a market analysis of your chosen neighborhood and help you determine a fair offer price. Our savvy negotiation skills will help craft a winning offer that the seller will accept.
The next step is to prepare for closing. We will help you tackle the checklist of action items that you, as the buyer, are responsible for. These would often include conducting a property inspection, getting an appraisal, and finalizing your financing.
Finally, the moment you’ve been waiting for has arrived: closing the deal. Once all the paperwork has been reviewed and signed, the funds released to the seller, and the deed to the property is now in your name, the deal is complete and you’ll get the keys to your new home.
