Frequently Asked Questions

Looking for and finding your perfect home is an exciting adventure, but the steps to a successful closing take careful guidance. From understanding different financing options, comprehending your contractual rights, and navigating the best way to negotiate a myriad of details, having a Realtor as your team captain is the best way to have as stress-free an experience as possible. 

Pre-approval is the first step in the home-buying process in order to determine the purchase amount you qualify for, what your monthly payment will be, and how much out-of-pocket money you will need. An experienced Realtor will assist in finding special programs or options that best suit your budget and financial goals. 

This is where your local Realtor is essential. Many times, national or even local news sources don’t accurately represent your market. Even in the same city or county, there can be differences in price, home conditions, and other factors. An experienced agent will give you detailed and relevant information to ensure that you feel comfortable about your financial decision. Add an answer to this item.

The search varies from buyer to buyer. When your Realtor takes you to a home that fits your criteria, it’s not unusual for some buyers to like the first home they see. Patience is sometimes needed. An experienced Realtor will assist you in aligning your budget with your wish list to ensure a match for the homes you’re viewing. 

This is when coordination is critical for each step to closing. First, contingencies need to be removed. This typically entails ordering and completing the home inspection and negotiating any repairs. At the same time, the full loan application would be in full swing, as well as ordering homeowners’ association documents (if required), having the termite/moisture inspection done, and completing any other required inspections as called for in the contract. The appraisal is then ordered, which leads to closing unless the appraisal is lower than the contract price, an event that is negotiated with the seller. Obtaining homeowners’ insurance, connecting utilities, and choosing a closing agent are coordinated with your Realtor. Finally, there is the joyful day when you close and receive the keys to your new home.