Buying or selling a home in Topton?

For a lot of people, buying a home is a stressful event. However, with a bit of planning ahead of time, it isn't all that complicated. So they know exactly what they can expect, I will give buyers an overview of the entire deal. Here are my nine steps to purchasing a home. Should you have any questions about this information or if you're ready to get started, just contact me here or e-mail me at .

Step 1 – Prepare to purchase
There are a lot of things you should do before commencing your home search. You'll probably want to form an outline of features you need, get a feeling for what neighborhoods and school districts you'd like to live in, and start planning your budget. A good principle to go by is that your mortgage payment should be less than a third of your net monthly income.

Step 2 – Connect with a real estate agent
This is where I can help. We can arrange a time to get together so we can talk about your real estate needs and get an idea of your future plans. We'll talk about the mortgage and housing industries, other economic factors that could affect your buying decision today or in the future, as well as neighborhoods and school districts in the Topton area.

I'll also assist you with getting started on your loan. I work with some of Topton's best mortgage professionals, so you'll be in great hands. They will assist you in figuring out which type of loan is best for you and help you get approved.

Step 3 – Start looking for a house
After our first meeting, I'll start looking for available homes on the market that are great for you. I'll research most of the houses and throw out the bad ones, and then we'll set up appointments to view the houses whenever it's convenient for you.

As we view the homes, I'll show you the good features, as well as bad ones. I'll even ask you about things you like and don't like. It's widely common for buyers to amend their list of must-haves as we view homes and some items become more essential than others. If that's the case, I'll look through the listings again and trim it down to the house you've been dreaming about.

Step 4 – Understand the market
An agent's awareness of the Topton market is a leading element in your house search. And I can assure you I'm conscious of all the neighborhoods and schools, and I can alert you to which neighborhoods are "hot" and warrant prompt action and some that are "cold" and allow for thoughtful consideration.

As we view houses, I'll let you know when the seller's list price has room for bargaining and when I think the house is "priced to sell." Be on guard and be sure to ask your agent lots of questions, as any real estate agent will convince you they know the housing market. If things don't add up, call me at 8283213101 or e-mail me at , and I'll be more than happy to answer any questions you have. My understanding of the market will help you stay a step above the rest through the entire deal.

Step 5 – Find the house of your dreams
I know we'll find the home of your dreams in Topton. When we do, I'll meticulously create your home purchase offer. The offer will be made to suit your needs and the home. We'll include several contingencies, such as acquiring financing, completing the inspection, and a clean title.

When presenting your purchase offer, you'll likely need to present "earnest money." This is a cash deposit given to a seller to secure the offer to buy the property, and it's most often put towards the cost of closing. If the offer is accepted by the seller, we should close about 30 to 60 days afterward. This allows plenty of time for your mortgage financing.

Step 6 – Negotiate
A lot of contracts don't close on the first offer. It's pretty common to receive a counter offer. Don't let it intimidate you. We'll talk over whether or not to take the counter offer, present our own counter offer, or reject the seller's offer and move on.

How aggressively we negotiate the deal depends on market conditions. We'll also work within your financing limits. And when it's all said and done, we'll put together a contract that works well for you.

Step 7 – Obtain your loan
Once the deal is finalized, you'll start working with your lender to close the loan. If you're pre-qualified, this shouldn't take very long at all. However, you should to stay in close contact with your lender. And I'll care for all the property information your lender will need to close the loan.

Step 8 – Close the deal
Your lender will provide you with a Loan Estimate (LE) detailing closing costs within three days of receiving your application. You'll get a Loan Estimate (LE) outlining your closing costs from your mortgage lender within three days of getting your application. This estimate rests on the loan amount, and RESPA requirements dictate that it has to include all closing costs and be within a tight range of accuracy. I'll study the estimate and let you know if everything looks permissible.

Then it's time to close on your home. This will likely take place at a title company or escrow office and will probably be a smooth and peaceful occasion.

Step 9 – Move in
Congratulations! It's time to move into your new house. Enjoy it. And if you need anything or have any questions, be sure to contact me at 8283213101 or e-mail me at .