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Home Buying in Six Steps

01. Get Ready for Home Ownership.

  • Build a good credit history.

  • Get mortgage pre-approval.

  • Find out what type of mortgages you quality for.

  • Consider hiring an attorney to review all contracts and agreements associated with the home buying process. I can give you several great referrals.

  • Save up for a down payment (typically 10-20% of property’s value; if FHA-qualified, then possibly less).

  • Consider closing costs which can include taxes, attorney’s fees, and transfer fees.

  • Consider utilities and monthly bills, such as homeowner’s assessments.

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02. Find a Real Estate Professional.

  • I am here to help you with all of your real estate needs. I can help you with buyer representation contracts and agreements, making sure you understand and feel comfortable with the terms. I look forward to hearing about your needs and expectations. 

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03. Find the Right Property

  • Determine what is important to you, such as particular schools, neighborhood amenities, monthly mortgage payment, public transportation, walkability, etc.

  • Make sure you include home owner’s assessments, utilities, and taxes when calculating the monthly mortgage payment.

  • Keep your credit score stable by waiting to purchase any big-ticket items until long after the closing.

04. Finance the Property.

  • Contact your mortgage broker or lender. I can provide excellent referrals.

  • The lender or attorney will run a title search to ensure there are no clouds on the title. I can help with referrals here as well.

  • Make sure you understand the financing terms ask the lender for clarification, if needed.

05. Make an Offer.

  • Ensure the property is inspected by a licensed home inspector.

  • Read all contracts before signing—make sure you understand all of the terms, ask questions.

  • Place a competitive bid and be prepared to make a counter-offer.

  • Only one offer will result in a sale, so be prepared to move on if your offer is not accepted.

Signing a Contract

06. Closing and Life After.

  • Protect your new asset by obtaining insurance such as homeowner’s, flood, disaster, and fire.

  • Weatherproof your new home.

  • Maintain files—digital or print—for all warranties, insurance documents, contracts, etc.

  • Keep original closing documents in a safe place, preferably outside the home (such as a safety deposit box).

  • Set up utilities bills in your name, maintain files.


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