Purchasing a home in Topton

Purchasing a home is a stressful event for a lot of people. However, with a little planning ahead of time, it's not too difficult. So they understand exactly what to expect, I will give buyers an outline of the entire deal. Below are my nine steps to purchasing a home. Should you have questions about this information or if you're ready to get started, just contact me here or e-mail me at .

Step 1 – Get ready to purchase
Before you begin searching for a home, there are plenty of things you'll want to do. You'll probably want to put together a checklist of features you need, plan for what neighborhoods and school districts you'd like to live in, and start planning around your budget. A good rule of thumb to adhere to is that your mortgage payment should be less than or close to 1/3 of your monthly income.

Step 2 – Contact a real estate agent
That's where I can help. We'll plan a time to get together so we can talk about your real estate needs and get an idea of your upcoming plans. We'll talk about the mortgage industry, other economic factors that may affect your buying decision today or in the future, as well as neighborhoods and schools in the Topton area.

I can also assist you with getting started on your loan. There are some great mortgage professionals in Topton, and I work with a lot of them, so you can rest assured that you're in great hands. They can help you figure out which kind of loan is best for you, as well as help you get qualified.

Step 3 – Begin your search
Following our first meeting, I'll start looking for available houses on the market that suit your needs. I'll research many of the houses and ignore the bad ones, and then we'll schedule appointments to tour the homes at a time that's convenient for you.

When we tour the homes, I'll show you the positive features, as well as bad ones. And I'll ask you about things you like and dislike. It's widely common for buyers to amend their list of must-haves as we view houses and some features become more essential than others. If such is the case, I'll go back through all the listings again and trim it down to the house you've been dreaming about.

Step 4 – Know the market
Your agent's knowledge of the Topton market is a fundamental agent in your home search. And I assure you I'm conscious of all the school districts and neighborhoods, and I will communicate what neighborhoods are "hot" and warrant immediate action and others that are "cold" and allow for thoughtful examination.

When we tour houses, I'll be sure to tell you when the seller's list price has room for bargaining and when I believe the house is "priced to sell." Trust your instincts and be sure to ask plenty of questions, as every REALTOR in Topton will claim to understand the housing market. If it appears they don't know everything, call me at 8283213101 or e-mail me at , and I'll be glad to answer any questions you may have. My knowledge of the market will keep you a step above the rest through the entire process.

Step 5 – Find the house of your dreams
We'll find your dream home in Topton, and when we do, I'll precisely develop your real estate purchase offer. The offer will be made to suit your needs and the home. We'll include some contingencies, such as getting financing, completing the inspection, and a clean title.

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

Step 6 – Negotiate the deal
A lot of deals don't close on the beginning offer – it's pretty common to receive a counter offer. Don't let this discourage you. We'll talk over whether or not to agree to the counter offer, submit our own counter offer, or decline the seller's offer and go on.

How aggressively we negotiate the contract depends on market circumstances. In addition, we'll work within your budget. And at the end of the day, we'll compose a contract that is best for you.

Step 7 – Get financing
After the deal is finished, you'll begin working with your lender to close the loan. It shouldn't be a long process at all if you're pre-approved, but you'll want to stay in close contact with your mortgage lender. And I'll take care of all the property information your mortgage lender needs to close the loan.

Step 8 – Close the deal
You'll get a Loan Estimate (LE) of closing costs from your lender within three days of receiving your application. The estimate rests on the loan amount. RESPA requirements dictate that it has to include all closing costs and fall within a precise range of accuracy, and I'll go over the estimate and let you know if it all looks adequate.

Then it's time to close on your home. This will likely happen at a title company or escrow office and will most likely be a smooth and comfortable occurrence.

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, make sure you contact me at 8283213101 or e-mail me at .