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Buying Your Home
The home-buying process can feel daunting, but with the right guidance, each step brings you closer to holding the keys to your new home. Explore our home-buying resources below.
6 Steps to Homeowership
Financing Options & Timeline
Explore a variety of real estate financing options designed to meet diverse needs. Conventional, FHA, VA or any other mortgage, your lender will help you determine which mortgage option is right for you.
Your Home Buying Team
A strong home-buying team makes all the difference in a smooth, successful purchase.
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Your real estate agent guides you through the home search and negotiation process, ensuring you find a property that meets your needs.
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A trusted lender helps secure financing, offering guidance on mortgage options to fit your budget.
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The inspector carefully examines the property, identifying any issues before closing.
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The title company researches and verifies property ownership, while the closer manages the final paperwork and ensures everything is in order for a seamless transfer.
With each professional playing a vital role, your team works together to make your home-buying journey smooth and informed.
Home Search
A home search is an exciting journey, filled with possibilities and important decisions. Buyers typically begin by identifying their priorities—such as location, budget, and must-have features.
Partnering with a real estate agent makes this process smoother; they have in-depth market knowledge and access to the latest listings that meet your criteria. From open houses to virtual tours, they’ll guide you in evaluating potential properties. Along the way, they'll offer insights on neighborhood trends, pricing, and future value, helping you make informed choices. With a clear vision and the right support, your home search brings you closer to finding the perfect place to call your own.
Offer to Purchase
Making an offer on a home is a pivotal step in the buying process. It is always your decision on what you want to offer, we are here to help determine a competitive yet fair price, considering market trends and the property’s value. Your agent will help structure the offer, including contingencies like financing, inspection, and appraisal, which protect you as a buyer.
Once the offer is presented, the seller may accept, counter, or decline. Each step brings you closer to your new home, with your agent advocating for your best interests throughout negotiations.
Contingencies
Contingencies are key safeguards in a home purchase, protecting buyers and ensuring a smooth process.
Common contingencies include the inspection contingency, allowing buyers to assess the property for any hidden issues; the financing contingency, which protects buyers if mortgage approval falls through; and the appraisal contingency, ensuring the home’s value aligns with the offer price.
These contingencies provide flexibility, allowing buyers to renegotiate or, if necessary, walk away without losing their earnest money. By including these terms, buyers can approach the purchase with confidence, knowing their interests are well-protected as they move toward closing.
Clear to Close
“Clear to close” is an exciting milestone in the home-buying process—it means the lender has completed their final review, and you’re ready to move forward with closing.
At this stage, all financing conditions have been met, documents are in order, and the funds are prepared for disbursement. The final walkthrough of the property typically follows, allowing you to ensure everything is in expected condition. Once you reach the closing table, you’ll review and sign the paperwork, officially transferring ownership. With “clear to close” status, your new home is just a signature away!
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