You've decided to purchase a home...Now what?

INITIAL INTERVIEW AND AGENCY DISCLOSURE.

• We schedule an appointment to visit about your needs.

LENDER INTERVIEW AND LOAN PRE-QUALIFICATION

• Contact a lender and get pre-approved.

TOUR PROPERTY

• I prepare a list of properties available with your criteria.
• You may want to consider purchasing a Mapsco.
• Drive past the properties that seem to interest you.
• Call me with your favorites and I'll schedule our tour.
• I continue to check the MLS daily for new properties.

OFFER AND NEGOTIATION

• You find the dream home!
• We go to my office and write an offer to purchase.
• We wait for the seller's response.
• You start considering home inspectors.

CONTRACT

• If principals agree on price and terms, you go under contract.

UNDERWRITING, LOAN APPROVAL, TITLE

• The inspections are scheduled
• We wait for final loan approval
• Appraisal is ordered
• Any repairs are bid and coordinated
• Insurance companies are contacted
• We prepare to close.

This process can take any where from 10 days to 45 days

CLOSING

• The funds must be in the form of a cashier's check.
• Bring your driver's license or picture i.d..
• The title company needs to be aware early on if we are doing mail-off closing or using a power of attorney.