The homefinding process typically includes many of the following elements.

I will be your resource and guide every step of the way.

Initial Consultation

• Determine your priorities and needs
• Review “agency” choices and select appropriate working relationship
• Discuss financing options

Finding the Right Home

• Sales associate to show you properties based on your criteria
• Evaluate each property with sales associate
• Choose the right home

Reaching an Agreement with a Seller

• Present your offer
• Negotiation of terms and possible counteroffers
• Agreed-upon sales contract with seller

Preparing an Offer

• Review comparable sales to determine offer price
• Review progress of loan pre-approval; decide on financing
• Decide on other terms (inspections, possession date, personal property, etc.)
• Prepare earnest money deposit

Completing the Settlement Process

• Deposit of earnest money
• Review seller’s property disclosures
• Review preliminary title report
• Roof, termite and other inspections
• Remove any remaining contingencies
• Arrange for homeowners insurance
• Arrange for home warranty
• Arrange for movers
• Final walk-through of property with sales associate
• Provide balance of down payment and closing costs
• Sign documents
• Loan funding
• Recording of title
• Receive keys from sales associate
• Move in!

Obtaining Financing

• Find a mortgage company
• Consult with a loan officer
• Pre-qualification
• Complete loan application
• Obtain loan pre-approval
• Provide requested documentation
• Property appraisal
• Loan processing
• Final loan approval