Check Your Credit – Your credit is crucial when applying for mortgage financing. We will help you obtain financing that best fits your financial needs and credit situation. If you need to make improvements relating to your credit score, we will help you find the right resources to accomplish that.
Find a Lender – When you find the perfect home, you will want to be ready to move forward with an offer quickly. We have many long term relationships with experienced lenders that will assist you with your mortgage needs. There are many specific programs that will be applied to your financial situation, whether you are a first time Buyer, or have bought and sold many homes in your lifetime.
Price Range – We will help you calculate your monthly mortgage payment, which will include your principle, interest, real estate taxes and homeowner’s insurance. If you put less than 20% down, you may have something referred to as private mortgage insurance. We will work with you to determine the monthly payment that you are comfortable with along with cash needed to close and we will curtail your home search based on the numbers and the home amenities that you desire. If you are short on cash needed for closing, there are local down payment and assistance programs that we could introduce you to. In many cases a Seller may also assist with Seller help, that could offset your cash needed to close. We will help you get into a home that meets your needs, while considering your unique financial situation.
Research – There are many other things you will need to consider when selecting a home. We will help you obtain area school information, commute time to your work, community features, for example; fitness centers, gold courses, country clubs, shopping and hospitals. We will work with you to focus on the type and amenities that you desire in a home, for example; # bedrooms, # baths, garage space, colonial versus ranch style, etc. We will research recent sales and help you select the most accurate offer price once you have pinpointed a home. We will negotiate the offer on your behalf, securing the best price and purchase terms possible. We will make sure you feel that you have found the perfect home and have secured the best contract terms. We possess extensive experience and knowledge of the market that will make you feel comfortable with your decisions.
Once Your Offer is Accepted – After the terms of a contract have been agreed upon by all parties, it is time to have your new home thoroughly inspected. Once any defects are discovered, we will negotiate on your behalf to have the issues addressed by the Seller. Your mortgage company will most likely require an appraisal, which we will insure that this process runs smoothly as well. We will help you identify a closing service who will complete title searches, property surveys and prepare all of the documents necessary to complete the property transfer to you. On the day of closing we will do a final walk through of the property ensuring that the home has been left in the condition necessary. We will be with you at closing while you sign all of you documents. If you do need assistance with packing or moving services, we have recommendations that we can make.
Moving Time! – Now that you’ve found your perfect home it’s time to make moving arrangements. If you plan on utilizing a professional moving company, We can recommend reputable, local movers. Don’t forget to fill out your change of address forms and inform the utility company of your move!