| 1. First we meet and discuss agency
relationships. You will probably
choose to hire me to represent you
as your Buyers Agent (of course,
I can represent the Seller if you
choose!) At this point we will need
to briefly discuss financing. If
you have not been pre-qualified,
we can connect you with a mortgage
company and make sure that you'll
be comfortable with your monthly
payment. Once we have decided on
a price range, I will ask you a
series of questions to determine
what features are important in your
new home. We will search our criteria
through the Multiple Listing Service
database and get a color photo and
description of each house that meets
your criteria. As we view the homes
on screen we can print copies of
the listings you might like to go
see.
2. I will make appointments for
us to see several of the properties
you choose. It is usually best
to see no more than 5-6 homes
in a day, otherwise you will start
to forget which houses had certain
features you liked and disliked.
You may want to study maps ahead
of time.
3. As we view each home, you may
want to take notes that will help
you remember the house.
4. After seeing several houses
you will become more confident
analyzing square footage, lot
sizes, features and price.
5. After seeing the houses currently
available on the market, if you
haven't found your dream home,
I will search the MLS daily and
let you know of any hot new properties
as they are listed. This way we
get a jump on all of the other
Buyers currently looking for properties
similar to yours.
6. One day I will call you and
say "this is your lucky day,
the perfect house was just listed,
we need to see the house today!"
We meet at the house and you love
it, it's perfect.
7. We complete the Offer to
Purchase and Contract. Don't worry,
this is a form you will already
be familiar with because I will
have given you a copy at our first
meeting. We also will have discussed
it along the way. We will need
an earnest money check to go along
with the offer. This is a "good
faith" deposit that says
"we will buy your house if
all of the following conditions
are met." (Earnest money
is credited towards the purchase
price of the home at closing.)
8. Throughout the entire process,
I'll manage the little details
that can seem so overwhelming
and help you complete the necessary
steps to obtain your new home.
9. After we sign the Offer, I
will submit your offer to the
Listing Agent. Negotiation is
where I really start to serve
you. I will get you the best price,
terms and conditions possible.
My sales ratio is well below the
average, meaning my Buyers pay
less for their homes!
10. Once our offer is accepted
I will help you set up your inspections.
I recommend that all home buyers
have a structural inspection (approx.
$250), termite inspection (approx.
$55), and well and septic inspections,
if not on city sewer and water,
(approx. $175.)
11. I will supply you a list
of lenders, attorneys, inspectors,
insurance agents, and service
providers. Choosing a lender with
the right program for you is very
important. I will help assess
your situation and make you aware
of lenders with programs suitable
for your needs.
12. We will have all the inspections
done early in the contract process.
This way if the inspector notes
any items which need to be addressed,
the seller has time to respond
and correct the items noted. Should
the seller decide not to fix the
items, we will either accept their
response and proceed or request
that our earnest money be returned
and find a new property.
13. While the inspections are
being done, you will be making
loan application with your bank
and moving ahead towards loan
approval. I will be in contact
frequently with your lender to
provide any information they need
to expedite the process. I'll
remind you to set up your homeowners
insurance. It needs to start the
day you take title to the house.
14. You now have all of your
inspections done, you have loan
approval and you're sailing towards
closing. We will do a walk-through
of the house together the day
before or the day of closing.
This is to make sure the house
is in the same general condition
it was when you contracted to
purchase it. (No unexpected holes
in the wall or appliances missing
that you paid for as part of the
contract.)
15. We did our walk-through and
the house is just as great as
it was the day you first saw it,
only it looks better as your new
home.
16. Closing day is here and we
all meet at the attorneys office.
Closing is also a time for you
to execute the forms associated
with a new mortgage. Once you
have executed all of the appropriate
forms, you will receive the keys
to your new home. Your closing
attorney can address any questions
you may have about the loan documents.
And, I'll always be available
after the sale to assist you in
any way I can!
17. Welcome Home!
|
