While the real estate market continues to find its way… Now is the best time to take advantage of great prices for homes with record breaking interest rates
Contact me by filling out form or call me at (415) 599-5337.
I can help you through the entire process of buying a home, starting with the mortgage and continuing right through closing – and beyond. I can help you shop for the best interest rate and terms and, if you wish, suggest mortgage lenders
Get Pre-approved for a Loan
In this market, it is extremely important to get preapproved for a loan so you will have a good idea of how much home you can afford. This helps you narrow down your home search and allows you to put in your offer when you find the house of your dreams.
Decide Which Amenities and Features You Must Have – and Which Ones Would Be Nice but not Necessary
How many bedrooms and bathrooms do you want? Would you prefer a newer home or an older one with established landscaping? Are hardwood floors a must? Is an updated kitchen important to you? Walk-in closets? Which features would you be willing to give up if you find the otherwise-perfect home?
Begin Testing the Market
Right here on my website, you can find listings that meet your criteria as well as neighborhood data. Identify properties that seem to be fits for you, take an afternoon and go on a driving tour. See what’s available in your price range and explore neighborhoods.
I can add to the list of homes you’ve already identified – including ones that have just come on the market. I can set you on the MLS service through a portal that will keep you updated on a daily basis as to the status of all types of homes that you are interested in.
Begin Seriously Looking at Homes
When we begin to look at homes, it’s important to do so with a critical eye – does the floor plan work for you, is the property in good condition, would it be right for your lifestyle? In short, can you imagine yourself and your family living there? Take notes at each home you visit. What do you like and not like? Narrow down your choices; re-visit homes in which you’re interested. See them at different times of the day.
Make an Offer
When you’ve identified the home you want to buy, be prepared we will prepare a written offer quickly. I am very familiar with market values and will help you arrive at a price that gives your offer the best chance of being accepted. At this stage, try not to become emotionally attached to a home. Your offer may not be accepted for any number of reasons. Have backup homes in mind. Be prepared to negotiate through your agent with the sellers. Once Your Offer Is Accepted:
- You’ll be asked to submit an earnest money deposit that usually isn’t refundable.
- Begin making moving arrangements (select a mover, obtain change-of-address cards, inform all of your friends and relatives).
- Have the property professionally inspected.
- If necessary, request repairs.
- Obtain homeowner’s insurance.
- Contact utilities (phone, water, power, etc.).
- A few days before closing, stage a walk-through.
- Obtain a cashier’s check for the down payment and closing costs.
- Make sure the terms and conditions of the loan statement are correct.
- Carefully read everything before you sign.
ENJOY YOUR NEW HOME!