BUYER'S GUIDE
A PREPARED HOMEBUYER: LOAN PREAPPROVAL
Let's start with getting you preapproved for your loan. This gives us a clear budget and makes your offer much stronger. We will connect you with trusted lenders who will review your finances and provide a preapproval letter. This is your ticket to being taken seriously in our competitive market!
SEARCH & STRATEGY
With pre approval in hand, we will dive deep into your must-haves, nice-to-haves, and deal-breakers. Together we will tour homes together, and I'll help you understand different neighborhoods, property values, and potential red flags. This groundwork is crucial - knowing the market helps us move quickly when we find your perfect home.
REVIEW & OFFER SUBMISSION
When we find your dream home, we will carefully review the seller's inspection reports, disclosures, and title reports before crafting our offer. This thorough pre-offer due diligence lets us submit a strong, clean offer that stands out. We will strategize on price, terms, and contingencies based on current market conditions.
INITIAL PAPERWORK & EARNEST MONEY
Once your offer is accepted, we'll move quickly to get your earnest money to escrow - this counts toward your purchase price and shows the seller you're serious. We'll verify those wire instructions carefully (I'm always extra cautious here!), and start working with your lender on initial documentation.
APPRAISAL PROCESS
Your lender will order an appraisal to verify the property's value. This typically takes 3-5 days, and sometimes they come in low in our market. Don't worry though - if this happens, we have three options: renegotiate the price, make up the difference in cash, or walk away (depending on our contingencies).
UNDERWRITING & FINAL LOAN REVIEW
This is when your lender's team reviews everything with a fine-toothed comb. They'll request lots of documentation, and quick responses keep things moving smoothly. Remember my golden rule: no major purchases, no new credit cards, and no job changes during this period!
FINAL REVIEW & DOCUMENTATION
Once your loan is approved, we'll do a final walkthrough of your future home. Even with pre-inspections, this is our chance to verify nothing has changed since the offer. Then we'll review and sign your closing disclosure and loan documents. I'll be there to explain anything that seems unclear.Once your loan is approved, we'll do a final walkthrough of your future home. Even with pre-inspections, this is our chance to verify nothing has changed since the offer. Then we'll review and sign your closing disclosure and loan documents. I'll be there to explain anything that seems unclear.
INSURANCE & UTILITIES
While the loan is processing, we'll get your homeowner's insurance in place as it's required by your lender. We'll also make sure utilities are set up for transfer on closing day. Consider whether you want to purchase a home warranty for additional protection.
CLOSING DAY
The exciting finale! Approximately 3-4 days prior to closing you wire your funds and then wait for final confirmation. Keys typically come later in the afternoon, so plan your schedule accordingly. This is my favorite moment, when all our hard work pays off and you officially become a homeowner!
A PREPARED HOMEBUYER: LOAN PREAPPROVAL
Let's start with getting you preapproved for your loan. This gives us a clear budget and makes your offer much stronger. We will connect you with trusted lenders who will review your finances and provide a preapproval letter. This is your ticket to being taken seriously in our competitive market!
SEARCH & STRATEGY
With pre approval in hand, we will dive deep into your must-haves, nice-to-haves, and deal-breakers. Together we will tour homes together, and I'll help you understand different neighborhoods, property values, and potential red flags. This groundwork is crucial - knowing the market helps us move quickly when we find your perfect home.
REVIEW & OFFER SUBMISSION
When we find your dream home, we will carefully review the seller's inspection reports, disclosures, and title reports before crafting our offer. This thorough pre-offer due diligence lets us submit a strong, clean offer that stands out. We will strategize on price, terms, and contingencies based on current market conditions.
INITIAL PAPERWORK & EARNEST MONEY
Once your offer is accepted, we'll move quickly to get your earnest money to escrow - this counts toward your purchase price and shows the seller you're serious. We'll verify those wire instructions carefully (I'm always extra cautious here!), and start working with your lender on initial documentation.
APPRAISAL PROCESS
Your lender will order an appraisal to verify the property's value. This typically takes 3-5 days, and sometimes they come in low in our market. Don't worry though - if this happens, we have three options: renegotiate the price, make up the difference in cash, or walk away (depending on our contingencies).
UNDERWRITING & FINAL LOAN REVIEW
This is when your lender's team reviews everything with a fine-toothed comb. They'll request lots of documentation, and quick responses keep things moving smoothly. Remember my golden rule: no major purchases, no new credit cards, and no job changes during this period!
FINAL REVIEW & DOCUMENTATION
Once your loan is approved, we'll do a final walkthrough of your future home. Even with pre-inspections, this is our chance to verify nothing has changed since the offer. Then we'll review and sign your closing disclosure and loan documents. I'll be there to explain anything that seems unclear.
INSURANCE & UTILITIES
While the loan is processing, we'll get your homeowner's insurance in place as it's required by your lender. We'll also make sure utilities are set up for transfer on closing day. Consider whether you want to purchase a home warranty for additional protection.
CLOSING DAY
The exciting finale! Approximately 3-4 days prior to closing you wire your funds and then wait for final confirmation. Keys typically come later in the afternoon, so plan your schedule accordingly. This is my favorite moment, when all our hard work pays off and you officially become a homeowner!
A PREPARED HOMEBUYER: LOAN PREAPPROVAL
Let's start with getting you preapproved for your loan. This gives us a clear budget and makes your offer much stronger. We will connect you with trusted lenders who will review your finances and provide a preapproval letter. This is your ticket to being taken seriously in our competitive market!
SEARCH & STRATEGY
With pre approval in hand, we will dive deep into your must-haves, nice-to-haves, and deal-breakers. Together we will tour homes together, and I'll help you understand different neighborhoods, property values, and potential red flags. This groundwork is crucial - knowing the market helps us move quickly when we find your perfect home.
REVIEW & OFFER SUBMISSION
When we find your dream home, we will carefully review the seller's inspection reports, disclosures, and title reports before crafting our offer. This thorough pre-offer due diligence lets us submit a strong, clean offer that stands out. We will strategize on price, terms, and contingencies based on current market conditions.
INITIAL PAPERWORK & EARNEST MONEY
Once your offer is accepted, we'll move quickly to get your earnest money to escrow - this counts toward your purchase price and shows the seller you're serious. We'll verify those wire instructions carefully (I'm always extra cautious here!), and start working with your lender on initial documentation.
APPRAISAL PROCESS
Your lender will order an appraisal to verify the property's value. This typically takes 3-5 days, and sometimes they come in low in our market. Don't worry though - if this happens, we have three options: renegotiate the price, make up the difference in cash, or walk away (depending on our contingencies).
UNDERWRITING & FINAL LOAN REVIEW
This is when your lender's team reviews everything with a fine-toothed comb. They'll request lots of documentation, and quick responses keep things moving smoothly. Remember my golden rule: no major purchases, no new credit cards, and no job changes during this period!
FINAL REVIEW & DOCUMENTATION
Once your loan is approved, we'll do a final walkthrough of your future home. Even with pre-inspections, this is our chance to verify nothing has changed since the offer. Then we'll review and sign your closing disclosure and loan documents. I'll be there to explain anything that seems unclear.
INSURANCE & UTILITIES
While the loan is processing, we'll get your homeowner's insurance in place as it's required by your lender. We'll also make sure utilities are set up for transfer on closing day. Consider whether you want to purchase a home warranty for additional protection.
CLOSING DAY
The exciting finale! Approximately 3-4 days prior to closing you wire your funds and then wait for final confirmation. Keys typically come later in the afternoon, so plan your schedule accordingly. This is my favorite moment, when all our hard work pays off and you officially become a homeowner!
