The Buying Process

Financing Options

Knowing how much you are qualified to purchase is an important first step in the home buying process.

Get Pre-Approved

Before you start looking for a home to buy, it’s important to get pre-approved by a lender. The lender gathers information about income, assets, and debts to determine how much "house" you may be able to afford. This includes a credit report, pay stubs, tax returns and recent bank statements. There are a variety of different loan programs, and your lender will educate you on the options best suited for your specific situation.

Application & Processing

When you find property you’re ready to buy, your lender will help you complete a full mortgage loan application, and talk you through the various fees and down payment options. The application is submitted to processing, where the documents are reviewed and appraisals and title examination are ordered. Then the loan is sent to an underwriter, who reviews and approves the entire loan if it meets compliance.

Closing

Don’t be surprised if you’re asked for additional documentation or clarification throughout the process. Once your loan is approved, don’t forget to set up homeowners insurance. Your documents will be sent to the title company, where you’ll sign for the new home and pay any remaining costs. Then the loan is recorded and you get the keys. Congratulations, happy homeowner!

Buying Timeline

  • Consultation

    To get started we will have a consultation to learn about your real estate needs, get to know one another, and make a plan on how to start looking for your next home or investment property.

  • Seeing Properties

    Once we've narrowed down your search to a few houses, and we have your pre-approval from your lender, we will start the showing process! Once you find a property that you are interested in we will begin writing offers.

  • Writing Offers

    Offers & negotiations is one of our specialities and figuring out a winning strategy is a lot like juggling. We handle the communication with the listing agent and negotiate on your behalf. Once an offer is accepted the real fun begins!

From Contract to Closing Day

WE'RE WITH YOU TILL THE END

Once an offer has been accepted we'll help you navigate through inspections, appraisals, and closing in a stress free way. We do all of this at no cost to you, the buyer, as we are compensated by the sellers.

Then it's time to get the keys, throw a housewarming party, and make lasting memories in your new home. We're so happy that you trusted us to help you through this exciting process.