Buyer's Guide

A Step-by-Step Buyer's Guide

Buying a home is one of the most exciting milestones of your life. To prepare yourself for this moment, you need to know what to expect during the process. This step-by-step first time buyer’s guide created by your agent will help reduce the stress of buying a home and help you enjoy the journey as much as possible.

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Step 1: Research

Do you already know where you want to buy? If you want a condo, townhome, or single-family home? Which features do you like and dislike? What’s available on the market now? If you answered no to any of these questions, now is the time to start researching. In addition to looking for homes that interest you, also take note of any changes in asking prices. This could give you valuable insight into housing trends in specific neighborhoods and help you when the time comes to make an offer.

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Step 2: Decide on Your Budget

Notice we said to decide on your budget—not determine how much the mortgage company will give you. In many cases, a mortgage company will pre-approve you for more than you’re comfortable spending, which is why you need to determine the monthly payment you feel comfortable with before talking to a lender. This likely includes doing a full household budget and taking into consideration what changes other than a mortgage payment will occur once you move into your new home. If you’ve lived in an apartment or with roommates, you may overlook new expenses like garbage, water, or HOA fees that could easily blow your budget.

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Step 3: Get Prequalified

Just because you think you can afford a certain payment every month doesn’t mean the mortgage company will agree. Just as they may approve you for too large of an amount, they may also approve you for a lesser amount or deny you a mortgage altogether. Lack of time at a job, insufficient credit, past bankruptcies, or other financial issues can cause major problems when trying to secure a mortgage. Before you get your heart set on a home, talk to a mortgage professional to find out what amount you can qualify for. This will also be an advantage when you make an offer on a home, as some sellers won’t entertain offers from those who aren’t already prequalified for a loan.

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Step 4: Choose a Real Estate Agent

Can you shop for, look at, and ultimately make an offer on a home without a real estate agent? Technically yes, but why would you when it costs you nothing for agents like us to take much of the stress off your shoulders? Not only will we help identify properties you might be interested in, arrange showings, and ultimately handle the offer process, but we also have knowledge of the market that you don’t possess. Finding the perfect home can be a daunting task, this is where our expertise and wealth of knowledge come into play. Let us show you around some homes that meet your dream home criteria so you can find the one that's right for you.

Our Goal Is To Provide You With The Most Personalized Service That Is Designed To Help You Buy Your Dream Home

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Step 5: Find the Right Home

This should be the most enjoyable step of the entire process (other than moving in!). We will arrange showings of homes you’re interested in that are within your price range. Take notes about what you like and don’t like, and make sure to pay attention to details. Turn light switches on and off, open and close doors, and run the faucets in various rooms. Don’t limit your inspection to the home itself. Make sure to take time to explore the neighborhood and keep an eye on traffic at certain times of the day, the parking situation, and how close it is to necessities like schools and grocery stores.

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Step 6: Make an Offer

Once you have selected the perfect home, work with your agent to craft a fair offer based on the value of comparable homes on the market. Depending on what the home is listed at and whether the current environment is a buyer’s or seller’s market, your offer may be below, at, or even above the asking price. We will be able to help you negotiate if you receive a counteroffer and reach an agreement. At this point, the house will go into escrow.

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Step 7: Have the Home Inspected

In most cases, your offer will be contingent on having the home inspected to ensure there is no major structural damage or large repairs needed. We can help you arrange this, and you can schedule it within days of making an offer. If there are no major issues, the process goes to step eight. If there is, you can renegotiate your offer based on what needs to be fixed, or you can withdraw it.

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Step 8: Select Your Loan

Now is the time to go back to the mortgage lender who pre-approved or pre-qualified you and choose your mortgage. You will be presented with various options based on your unique financial situation, including fixed-rate, variable-rate, 15-year, 30-year, or special programs such as VA loans or FHA loans. Work with your mortgage lender to select the option you feel the most comfortable with.

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Step 9: Get a Home Appraisal

Your lender will have your new home appraised so they have their independent value of it. The appraisal is to ensure that all parties involved are paying a fair price for the house.

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Step 10: Finish Paperwork

No one looks forward to all the paperwork involved in buying a home, but it’s a necessary part of the process. Fortunately, everything will be arranged by your lender and title company and, when you’re finished, you’ll know you are the legal owner of your new home.

Congratulations!

After signing the final paperwork to complete the purchase, you are now the owner of a new house. It may take a few days for your loan to be funded once the paperwork has been returned to the lender, but once that check is delivered to the seller, you’ll be all set to move into the home of your dreams. 

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It was an awesome experience to buy my home

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It was an awesome experience to buy my home

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Great buying experience
Our family had the distinct pleasure of working with Ana Pol when it came to selling our precious home. And we made the best decision ever! Ana listened to our requirements attentively, acted in our best interests, did her due diligence, and helped us get top dollar for our home. She took the stress out of the process and guided us every step of the way, made valuable suggestions, and generously gave of her time and efforts to ensure the best possible outcome for us. I cannot say enough about Ana's professionalism, integrity, and work ethic. She is a complete gem and you will be glad that she is on your team.
I loved Ana. She was knowledgeable, kind, professional, and patient with me in this long and challenging process. I will recommend her highly. She made the experience wonderful.
Ana Maria is one of those people that as soon as you meet her, her professionalism comes through. She is very resourceful and doesn't stop until the job is done. I recommend Ana Maria without hesitation to anyone looking for an expert in the real estate industry.
Excelente profesional Siempre atenta y responsable ante cualquier requerimiento. 5 stars Verified by RateMyAgent
The best of the best. She perfectly understands and supports our needs and helps us with her knowledge to buy our first home with all our questions and worries. You can reach her almost 24 hours a day, 7 days a week. She answers really quickly and knows the ups and downs of the market. She is simply the best.
Perfect for investors Ana helped us find a great community for an investment property. It was challenging to find a good investment in this market and Ana find us a gem! Verified by RateMyAgent
Very knowledgeable in Preconstruction We looked in several Preconstruction projects and Ana has a relationship with the developers that helped us purchase the property we wanted and with the incentives we needed. Great experience. Verified by RateMyAgent
Great buying experience Ana helped us buy our new construction home. She gave us a crash course on what to expect and what steps were needed to make sure all issues were addressed before closing. Highly recommend Verified by RateMyAgent
Ana was in constant communication with us and helped us stay on track and close in time. We wholeheartedly recommend her. Verified by RateMyAgent
Ana guided and supported us through the whole process. She handled every issue almost before it happened. Verified by RateMyAgent
Ana guided and supported us through the whole process. She handled every issue almost before it happened. Verified by RateMyAgent
Excelente profesional Siempre atenta y responsable ante cualquier requerimiento. 5 stars Verified by RateMyAgent
I loved Ana she was knowledgeable, kind, professional and patient with me in this long and challenging process. I will recommend her highly, she made the experience wonderful. Verified by RateMyAgent
Very knowledgeable in Preconstruction We looked in several Preconstruction projects and Ana has a relationship with the developers that helped us purchase the property we wanted and with the incentives we needed. Great experience. Verified by RateMyAgent
Ana was in constant communication with us and helped us stay on track and close in time. We wholeheartedly recommend her. Verified by RateMyAgent
I loved Ana she was knowledgeable, kind, professional and patient with me in this long and challenging process. I will recommend her highly, she made the experience wonderful. Verified by RateMyAgent
Great buying experience Ana helped us buy our new construction home. She gave us a crash course on what to expect and what steps were needed to make sure all issues were addressed before closing. Highly recommend Verified by RateMyAgent

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