The home finding and home buying process typically includes many of the following elements. I will be your resource and guide every step of the way.

  Initial Consultation

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• Determine your priorities and needs
• Review "agency" choices and select appropriate working relationship
• Discuss financing options

  Finding the Right Home

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• Sales associate to show you properties based on your criteria
• Evaluate each property with sales associate
• Choose the right home

  Obtaining Financing

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• Find a mortgage company
• Consult with a loan officer
• Pre-qualification
• Complete loan application
• Obtain loan pre-approval
• Provide requested documentation

  Preparing an Offer

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• Review comparable sales to determine offer price
• Review progress of loan pre-approval; decide on financing
• Decide on other terms (inspections, possession date, personal property, etc.)
• Prepare ernest money deposit

  Reaching an Agreement with a Seller

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• Present yoru offer
• Negotiation of terms and possible counteroffers
• Agreed-upon sales contract with seller

  Completing the Settlement Process

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• Deposit of ernest money
• Review seller's property disclosures
• Review preliminary title report
• Roof, termite and other inspections
• Remove any remaining contingencies
• Arrange for homeowner's insurance
• Arrange for home warranty
• Arrange for movers
• Final walk-through of property with sales assoicate
• Provide balance of down-payment and closing costs
• Sign documents
• Loan funding
• Property appraisal
• Loan processing
• Final loan approval
• Recording of title
• Receive keys from sales associate
• Move in!