Buying a home involves your realtor, loan officer and escrow officer

You Get From Me

  • A knowledgeable and professional REALTOR® who represents you

  • Thorough consultation to determine your unique wants and needs in

  • a home

  • Advice on making offers based on expert market evaluation

  • A committed ally who will complete your purchase contract, present

  • your offer, and negotiate on your behalf

  • Preparation of all closing documents and guidance through the

  • closing process

  • Assistance with any post-close issues

  • The backing of a trusted company, Keller Williams Realty

  • Organizing and scheduling homes to view based on your unique

  • specifications

  • Personally touring homes and neighborhoods with you

  • Keeping you informed of new homes on the market

  • Advising you of other homes that have sold and for how much

  • Working with you until we find the home of your dreams


Steps to Home Buying

Choose a REALTOR®

Choose the best real estate agent to represent you in finding and purchasing your dream home and sign a Buyer Agency Agreement to work together. It is important to trust your agent, as you will be spending a lot of time together and your agent will help you with one of the biggest financial commitments you will make.

Obtain Financial Pre-Approval

Get pre-approved for a loan before you find the home you want to buy. Benefits include:

  • You know your price range, closing costs, and monthly payments up front

  • You only look at homes within your price range

  • Your negotiating position with the seller is stronger

  • Closing on your new home can happen more quickly


View Homes and Find “The One!”

After a thorough understanding of your new home needs, you'll receive a list of homes that meet most or all of your requirements, and we schedule time to visit them.

Make Your Offer

Once you have found your dream home, I will research market data on the home to help you will determine what to offer and we will present a written offer to the seller’s agent. There may be some negotiation required and the seller may either accept, reject, or counter your offer. When the seller accepts the offer, it becomes a legal contract.

Escrow

Once seller accepts the offer, the seller or buyer's agent start the escrow process. As a buyer you'll work with the escrow officer and the lender officer in order to sign all the forms, get loan approval, fund the loan and transfer the deed in your name.

Get Inspection and Negotiate Repairs

You will hire a professional inspectors (home, pests, chimney) to conduct thorough inspections of the property and we will negotiate with the seller to complete any necessary repairs.

Final Review of Contract and Close!

The closing is the formal process of signing papers, paying fees and closing costs, and receiving the keys to your new home!


Financing Process

Most lenders use the “three Cs”—character, capacity, and collateral—as a screening device to determine whether the borrower meets the qualifications set by the lender.

After submitting a Universal Loan Application Form, the lender will provide the buyer within 3 days the Loan Estimate Form with an itemized list of all closing costs that will be encountered in escrow.

During the escrow process, buyer will work with the lender officer to submit all required documentation to obtain loan approval.

Deeds

I advise my buyers to research and discuss with their CPA or attorney how they'll take title to their new home. Title to real estate (its ownership) can be taken by one person or by more than one person. When a conveyance of real estate is done correctly, title vests in (is transferred to) the grantee. How to take title is a legal question that may have tax and other consequences. A real estate licensee is prohibited from giving legal advice. Individuals taking title to property will indicate their status as: single (never married); married; registered domestic partners; unmarried (divorced); widow or widower.

Disclosures

Seller accepted your offer and now you can expect to receive a series of mandatory disclosures that include: Agency Disclosure (delivered by agent), Transfer Disclosure Statement (filled by seller), Natural Hazard Disclosure (ordered and delivered by escrow), Environmental Hazards Disclosure (ordered and delivered by escrow) and others.

Closing

The lender officer will provide the buyer the Closing Disclosure form.