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Buyer's Step-by-Step Guide
Start gathering a down payment. Ideally a down payment on a mortgage should be 20% of the home's price to avoid added fees, but if you don't have that much of a down payment, don't worry. A mortgage down payment can be as low as 10%, 5%, or even 0% for certain types of mortgages (e.g., VA loans or a USDA loan). Consult with you bank first for more information about what your personal options are...
There's more where this comes from, but don't worry, we are here to help walk you thru the steps below and handle the behind the scenes to ensure a successful and smooth transaction all the way thru the closing.
Step
1
The Funds: Paying Cash? If you’re not paying in cash, you must get pre-approved for a mortgage loan first.
Step
2
Search for a new home and decide which one to purchase.
Step
3
Make your offer and negotiate your terms.
Step
4
Execute the contract and open escrow with a deposit.
Step
5
Apply for the mortgage if you’re not paying with cash, and get a mortgage commitment letter.
Step
6
Meet the conditions of the commitment letter and contract inspections dates.
Step
7
Get home insurance and schedule the closing.
Step
8
Sign closing docs. Get your keys! Congratulations on your purchase!
Don't have buyer representation yet?
Buyer agents work to negotiate the best terms and price for the buyer. Best of all, the buyer agent’s services are free to the buyer.
Angielle and her team can help simplify your property search and show you the best the market has for you today...