Skip to content

Buyer Services

Mortgage calculator

Sorry we are experiencing system issues. Please try again.

Home buying roadmap

1st Stop
The Bank

The bank is the first stop in your home buying process because knowing your price point will give you focus. A mortgage lender will use information you provide to find what you can afford, and more importantly what you are comfortable with spending. If you not quite ready to buy now, just getting your ducks in a row for the future, your lender will help you examine your debt to income ratios and help you make financial decisions to help you be ready to pull the trigger when that day comes.

2nd Stop
Home Search

For the majority of home buyers, the first place they will look at homes for sale is the internet. While the internet is a value tool to help you get up to speed on your local market, nothing can beat first hand knowledge of your buyer’s agent. For example, photos can do a lot (or a little) for a property! Trust your realtor, they can make suggestions of homes that are not actively listed, suggest homes that you might have dismissed online, or help you with for sale by owner homes.

3rd Stop
Writing an Offer

When you find the right property, you’ll want to be ready to write an offer. You’ll need to have a letter of preapproval from your lender and a check for earnest money. You and your realtor will decide what you’d like to offer for a purchase price, what contingencies you’ll want to protect your earnest money, and any seller concessions you’d like to include in your offer.

4th Stop

In every transaction there are three prices – the price you’d like to pay, the price the seller would like to get for their property, and a price that works for both of you. In real estate, everything is negotiable. Aside from the price tag, you can negotiate on closing date, how fees are divided, who will complete repairs, etc. Through this stage of the process, remember to be available to your agent and conscientious to meet contract deadlines.

5th Stop
Home Inspection

Once you are under contract, you will have a pre-negotiated number of days to get your home inspection completed, review the report, and possibly negotiate any unexpected findings. Plan ahead – have a home inspector in mind and time set aside to attend the inspection. Also, some inspectors give a discount for on-the-spot payment. Possibly as much as 20% off! The fee for a home inspection is non-refundable.

6th Stop
Title Work

Your realtor or lender will order preliminary title work to insure the property you are buying and all parties involved are free of any liens or judgments that may cause headaches down the road.

7th Stop

Your lender will order an appraisal from a list of approved appraisers in the area. They will visit the home, comparing it to similar homes that have sold nearby recently to determine a value to provide the bank. You will be charged by your bank for your appraisal.The fee will be paid at the closing table. The appraisal fee is non-refundable.

8th Stop
Final Walk-Through

After the sellers have completely moved out and ideally within 24 hours of closing, you and your realtor will do a final walk-through of the property. This is to insure the property is in the condition it was on the day you wrote your offer. Be sure you have the transfer of utilities into your name and your home owners insurance scheduled to begin the day of closing

9th Stop

Congratulations! The final step of the process is closing. You, your realtor, and your lender will all meet at the title company to sign your mortgage and other documents.The seller may also be at the title company with their agent to sign the deed that officially makes your new home yours! You’ll need to bring your funds in the form of a cashier’s check and a valid form of government issued photo ID.

Pledge of Performance and Service to Clients and Customers

What we do when you hire us:

Frequently asked questions:

The seller. When a seller lists their home, they agree to pay a certain percent of the sale price to the agent that lists their home and whoever brings a buyer when they sign the listing contract.

Buying a home will most likely be the largest financial decision of your life. A realtor can guide you through the home buying process to ensure you get the most home for your money and make your home purchase a wise investment. Realtors can advise you of unforeseen problems when it comes the time to resell, ensure legal paperwork is handled correctly, and are trained negotiators. Additionally, your time is valuable! It’s a realtor’s job to be on the lookout for new listings, research the homes in your price range, arrange showings, and attend to the bumps in the road as you move through the transaction.

At minimum, you’ll need to budget to have enough money for earnest money, money to pay your home inspector, the down payment required by your lender, and any additional closing costs negotiated in your contract such as a survey or title work. Your lender will be able to provide you with a Good Faith Estimate (GFE) to estimate the money you will need to bring to closing.

When determining what purchase price you will offer the seller, there are a number of factors you and your agent will consider. How much have nearby homes sold for? How many days has the home been on the market? What condition is the home in? Are there other offers on the table? Your realtor, and possibly even your lender, can help you arrive at a purchase price that gets you the most house for your money. Real estate is a team sport!

When your offer is accepted by the seller, yes. Within 24 hours of your offer being accepted, it is the selling realtor’s responsibility to deliver your earnest money to the listing realtor. It is the listing realtor’s responsibility to ensure that money is deposited into either their own trust account or a trust account monitored by the title company where your closing will be.

Home inspections range from $250 to $400 depending on who you hire, where the home is, how large the home is, and sometime if you pay at the time of inspection or delay until closing. Like realtors, home inspectors are licensed and insured. Quality home inspectors are members of their local MLS boards and stay up to date on their continuing education hours. Should a home inspector recommend further inspection by an expert in one specific area (for example: foundation, HVAC, electrical), there may be an additional charge. Money spent on a home inspection can save you money later on.

The seller can accept, reject, or counter. Be prepared for all of these possibilities each time you offer or counter offer. Whatever the response, your realtor and your lender can help you plan your next step. Nothing is “a deal” until all parties have accepted the terms.

You, your realtor, and your lender will meet a closing agent at the title company. The closing agent will have all the papers you are required to sign and will give you a brief explanation of each one as you sign them. Feel free to ask questions or take the time to read or re-read anything you’re signing. If it calms your nerves, you can always ask to pick up a copy of your closing packet the day before to read at home.

From the day you write your offer to the day you close is generally 45-60 days. Cash transactions can go from purchase agreement to closing as quickly as a week. Short sales and foreclosures can take longer than 60 days. Searching for your perfect home can be the shortest or longest part of the process. Either way, trust yourself and your judgement.

All appliances (washer, dryer, fridge, dishwasher, etc.) are negotiable. Be mindful of the bill of sale! Just because appliances are in the home the day you write the offer, they may be moving with the seller. All items that are transferred on the bill of sale are without liens and without warranty.

With a few exceptions, possession is generally taken at the time of closing.

What do I bring to the bank?

Interested in buying, selling, or renting?

We're here to help!