Negotiations
How Offers are Made - Now you find your dream house, it's time to make an offer. Your agent will help you decide all the terms you want to include in your OFFER TO PURCHASE. These terms will include what price you will offer, inspections to be done and who will pay for them, how much money is put away for potential problems discovered by the inspection, etc.   More Details

  Contract Signing
Binding Agreement - When you have signed the contract to purchase your dream house, it is time to gather the important things that are needed to get to the Closing Table. Get ready with financing, hazard insurance, inspections, moving date and conditions, unforseen/unexpected challenges. Don't jeopardize your dream - you don't want to run out of money. Hold on to your money until you get to the Closing Table.   More Details

  Loan Process
Steps to Loan Application - Most lending institutions require confidential information that you may not have at hand when making a mortgage loan application. To hasten the process of loan approval, have your loan officer make you a list of documents that are required in this process. Understand the time allowed to complete the loan process. Get your "old" files and locate your tax records, pay vouchers, etc.  More Details

Home/Building Inspection
Purpose for Home Inspection - Discover serious problems not readily apparent to the untrained eye. Is there something wrong with the structure? As the buyer you need to know your options. Remember - if you are not purchasing a newly constructed home, there may be items that need repair. Investigate if Seller has factored them into the selling price. Know the difference between home inspection vs. appraisal.   More Details

  The Closing
Dream Come True - The closing is the culmination of the contract. Both the buyer and seller sign all the appropriate paperwork to convey ownership of the property to the buyer. Just prior to closing (probably the day before) your agent will receive a copy of the settlement statement. This document has an explanation of all money that is involved in the closing process. Your agent will review this with you and explain the numbers and what they mean.   More Details