BUYING A HOME

To assist in this process, we’ve come up with a comprehensive 8 step process that will help you buy your new home. 

Select a Realtor®

Get Pre-Approved for a Loan

This is a vital step in the buying process – often, the difference between having your offer accepted or rejected. It is our policy for each Buyer to obtain a “Pre-Approval” letter from a reputable Mortgage Lender which will be included with any purchase offer you wish to submit on a home. We will assist you in this process. 

Whether you’re a first-time buyer looking for the perfect starter house, or a seasoned pro trading up to your Custom Mountain dream home, you are probably asking the same questions: Can I afford this? And is this the right move at the right time? 

As a first step, we will ask you a series of questions such as: your available cash reserves, income, current debt, cash to be freed up on the sale of your existing home, employer provided allowances for moving costs, and so on.

In this way, we can provide you with a good estimate of your purchasing power and recommend you to a mortgage lender most suited to help you whether you require: FHA, VA, Jumbo, Conventional, or a first time home buyer program. We will do this for you whether you are Credit Perfect or Credit Challenged!

Prepare Your “Wish List” 

Tell us your wants and needs for the home which ideally you would like to find.

We want you to tell us what you consider important!

Consider many factors including: 

• price of home; 
• size of home; 
• number of bedrooms and bathrooms; 
• garage size; 
• lot size; 
• commuting time to work place; 
• access to recreational activities; 
• age of home; 
• time until you plan to move in; 
• neighborhood conditions; 
• style of home: contemporary, traditional, ranch, 2-story; 
• length of time you expect to live in this new home; 
• new home versus previously owned home, etc.

This is an excellent opportunity to get input from all your family.

We will use this as my starting point to help you locate the house which most closely meets your requirements. We will also use this as a basis to make you aware of some features, which may be unique to the Area’s homes and neighborhoods, which you may find desirable.

It’s important for us to know what you are looking for.

Learn About the Neighborhood

• Neighborhood demographics 
• Public and private schools 
• Average home values, past sales 
• Schools

Make an Offer 

Once you decide which house you wish to place an offer on, you will have many decisions to make including: 

• Purchase price you wish to offer 
• Financing terms, cash down payment, earnest money deposit, type of loan, interest rate, pre-approval letter 
• Time period for inspection of property 
• Time period for appraisal of property by your lender 
• Time period to review title opinion of property 
• Contingencies you wish to include 
• Time period for loan approval 
• Setting the date and time of closing 
• Presenting the offer to Sellers 
• Negotiating and finalizing any terms and conditions which the Sellers may wish to modify from the original offer presented to them through a counter-offer

Through this entire process of preparing, offering and negotiating the Purchase Offer, we will work closely with you to maintain timely responses and provide market savvy answers to questions as they come up.

Due Diligence

Closing and Possession